Trucking insurance protects your business, drivers, and cargo from financial loss after accidents, theft, or damage. It’s required by law for most commercial trucks and gives brokers and shippers confidence that you’re covered. Without it, you can’t operate legally in Dallas, Texas, or nationwide.Trucking insurance protects your business, drivers, and cargo from financial loss after accidents, theft, or damage. It’s required by law for most commercial trucks and gives brokers and shippers confidence that you’re covered. Without it, you can’t operate legally in Dallas, Texas, or nationwide.

Common coverages include primary liability, physical damage, cargo, general liability, and bobtail/non-trucking liability. At Danaco Group, we tailor policies to your exact needs, whether you’re an owner-operator or manage a fleet.

Costs vary, but most truckers in Texas pay $12,000–$18,000 per year for liability plus cargo and physical damage coverage. Your rate depends on driving history, equipment, routes, and experience. Danaco Group shops multiple carriers to get you the best value.

Key factors include driving record, type of cargo, number of trucks, operating radius, years in business, and safety history. We help clients improve safety scores to keep premiums lower.

Primary liability covers injuries and property damage you cause to others while operating your truck. It’s required by the FMCSA for interstate truckers, with minimums starting at $750,000 (but most brokers require $1M).

Yes. Cargo insurance protects the goods you haul. Most brokers require at least $100,000 cargo coverage before they’ll give you loads. Danaco Group helps you meet shipper requirements.

Bobtail insurance covers you when you’re driving without a trailer. Non-trucking liability covers you when you’re driving your truck for personal, non-business reasons. Both are often required by motor carriers.

Physical damage covers your truck and trailer against collision, theft, fire, and vandalism. It’s similar to car insurance but designed for commercial rigs.

Yes. General liability covers risks not tied to driving, like accidents on your business property, load delivery errors, or lawsuits unrelated to a crash. Many contracts require it.

Fleet insurance covers multiple trucks under one policy, while owner-operator insurance is for single drivers. Danaco Group builds flexible policies whether you own 1 truck or 100.