What Does Commercial Truck Insurance Cover?

Commercial truck insurance isn’t one policy — it’s a package of coverages built around how your business actually operates: the equipment you run, the freight you haul, and the authority you operate under. Texas trucking companies are required to carry certain coverages under FMCSA and Texas DOT rules, while others are optional but protect you against costly gaps. Here’s what each of the six coverages above actually does and who typically needs it.

• Primary Liability — required for anyone operating under their own authority; it covers bodily injury and property damage you cause to others while hauling.
• Motor Truck Cargo — protects the freight you’re hauling if it’s damaged, stolen, or lost in transit; essential for owner-operators and fleets carrying dry van, reefer, or flatbed loads.
• Physical Damage — covers your own truck and trailer against collision, fire, theft, and vandalism; especially important once you’ve financed or invested in your equipment.
• General Liability — protects your business against claims unrelated to driving, like an accident at a customer’s loading dock; often required by brokers and shippers before they’ll work with you.
• Bobtail and Non-Trucking Liability — covers you when you’re driving the tractor without a trailer or off-dispatch, filling the gap primary liability leaves when you’re not actively hauling for your carrier.
• Trailer Interchange — covers a trailer you’re pulling that belongs to another company, which is common in drayage and intermodal work.

Which combination makes sense for you depends on your authority type, the freight you haul, and how your operation runs day to day. Our Dallas-based team works with Texas owner-operators, hotshots, and fleets on these decisions every day — request a quote below or call (214) 624-9770 to talk through your coverage.

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