Trucking Insurance in Katy, TX
Operating a trucking business without adequate insurance puts everything you have built at financial risk. An at-fault accident, a cargo loss or a liability claim can generate costs that exceed what many operations can absorb. The right trucking insurance policy can help shift that exposure to your insurer.
Navigating Trucking Insurance Requirements
Federal minimums depend on what you haul and how much your vehicles weigh. Most for-hire interstate carriers running general freight must carry commercial auto liability coverage, while hazmat haulers need to maintain higher limits. Clients and shippers frequently impose additional requirements before agreeing to do business with a trucking company.
Essential Coverage for Your Fleet
Trucking insurance is often built around customized commercial auto insurance, but does not always refer to a single type of policy. Many businesses require multiple forms of insurance. Common components of a trucking insurance package include:
- Primary liability coverage—May help satisfy federal and state mandates and cover third-party bodily injury and property damage claims if you or your drivers cause accidents on the road
- Physical damage coverage—May help pay to repair or replace your trucks and trailers after a collision, theft or other covered loss
- Motor truck cargo insurance—May help cover freight you haul against loss or damage in transit
- General liability insurance—May help address third-party claims that arise from incidents outside your vehicle operations, such as at your offices or loading docks
- Workers’ compensation insurance—May help manage losses and expenses arising from employees’ on-the-job injuries or illnesses
- Occupational accident coverage—May offer similar benefits as workers’ compensation for owner-operators injured on the job
Get the Right Coverage for Your Operation
Contact Katy Insurance Agency to review your coverage, confirm you’re in compliance with applicable requirements and identify potential gaps.