Commercial Truck Insurance Texas

From Liability to Cargo, we keep you covered

Commercial Trucking Insurance Dallas, TX

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If you decide to become a carrier in Dallas, Texas, you will find that it is a great place to find commercial truck drivers because there are more truckers in Texas than anywhere else in the country. Getting a fleet of commercial trucks and finding the right truck drivers isn’t the only thing you will need to be successful because compliance with Department of Transportation regulations is also necessary. One of their most important requirements is that your vehicles and truckers are fully safe and covered.

With over 20 years of experience in the trucking industry, we know how to create a comprehensive insurance package that will cover all your Texas commercial truck insurance needs.

You Need Insurance To Stay Compliant!

If you have vehicles in your fleet that weigh over 10,000 lbs and are used for interstate travel, the DOT requires you to have at least $750,000 worth of commercial truck insurance. The amount may go up from there, depending on what kind of products you are hauling.

Every trucking company needs multiple truck insurance policies. Trucking is a complex business, and there is much that can go wrong, so it is best to be fully insured. A good commercial truck insurance policy can help you manage emergencies smoothly and get on with running your company.

Liability Insurance

A truck accident can result in devastating injuries, which is why a trucking business needs to maintain liability insurance for all of its drivers. Liability insurance will not only cover the medical bills of anyone your driver has injured in an accident, but it will also cover damage to their vehicles. It will also cover funeral expenses in the event of someone’s death. 

A trucking accident can cause a chain reaction and result in multiple accidents.  A roll-over accident can result in oil spilling onto the highway.  A lost load can wreak major havoc with traffic for several hours. Commercial truck insurance will cover the cost of damage to roads, environmental pollution, and potential accidents that have resulted from the initial trucking collision.

What kind of trucks do you have?

Liability insurance is required for every truck on the road. However, the amount of insurance you will need and the variety of coverage depends on the kind of truck you have and the cargo you carry.

Not only does the trucking industry require plenty of liability insurance, but the insurance that you need will often depend upon the kind of products that you haul. We can create a comprehensive plan that will include cost-effective coverage for specialty truckers and those who drive an ordinary semi- truck. 

If you were to get full coverage for every kind of truck you own, it would cost you a fortune. You need an experienced team of trucking insurance professionals to ensure that you have the coverage you need when you need it. We will make sure that each of your vehicles has the insurance required by law. 

Straight Trucks

Straight or box trucks are one of the most common vehicles used for commercial transportation. Although we have a great policy for semi-trucks, we also offer comprehensive policies for commercial truck insurance companies that operate smaller trucks. Some straight trucks are responsible for hauling home and office furniture across the United States. Straight trucks are considered safer than semi-trucks, so you will not have to pay as much for your commercial truck insurance. 

New Ventures

When you start a new trucking company, you may discover that it is hard to find a truck insurance company that will work with you to create a truck insurance policy that you can afford. Many truck insurance companies do not want to risk insuring a brand new company. They may charge you higher premiums because they consider you a risk.

At Simplex Group, we specialize in assisting new companies to acquire truck insurance. We can also help you with compliance and the many taxes you will owe. 


Although many of the companies we serve operate trucks that drive across the country, we create policies for local drivers as well.

The state of Texas has more trucking companies than any other state in the country. The minimum liability coverage for a truck that weighs over 26,000 pounds and carries household goods is $500,000. If a truck weighs less than that and carries household goods, they will be required to carry a minimum of $300,000.

Intermediate and Long Haul

When a driver takes a trip of over 250 miles, it is considered a long haul. If you transport goods across state lines, you will need to comply with the FMCSA’s requirements for truck insurance.

 We know how stressful it can be to compare and buy truck insurance. We will make sure that your policy covers everything you will need without any of the extras you don’t. When you hire us, we consider ourselves a part of your team, and it benefits us to get you the best prices.

Mixed Radius 

Most trucking companies will have some vehicles that take long hauls and others that stay in Texas. If you have a mixture of trucking lanes, you may wonder if you will have to buy both long haul and short-haul commercial truck insurance.

A small trucking company is unlikely to be able to afford that much truck insurance, and we know how important saving money is. We can create a mixed radius policy that will save you money and keep you covered when you need it.

Auto Haulers

Auto haulers have a tough but important job. It can be very hard to maneuver a trailer hauling other vehicles. Your chassis needs to be balanced, and the cars need to be loaded perfectly.

An accident that involves an auto hauler can result in a major catastrophe. Falling cars can injure multiple people and destroy your load and other cars on the highway. There have been devastating accidents involving auto haulers. 

Trucks that haul cars are required to carry at least $1 million of liability insurance. If you have chosen to take on the difficult job of auto hauling, we will be there to take on the challenge with you. At Simplex Group, your success is our success, and we want you to be around for a long time. We will write you a policy that will protect your assets, keep your drivers and the public safe, and protect your reputation.


When a shipment relies on two different kinds of transportation to get where it is going, it is called intermodal. If you have trucks that pick up products from the docks, you are participating in intermodal transporting. Intermodal insurance is designed especially for trucks that carry shipping containers. 

A truck that carries this kind of haul must ensure that the containers are fastened properly with pins. The chassis has to be in good shape and attached to the truck properly as well, or the load may be unstable. If a truck carrying containers has an accident and the products in the crates are not secure, it can be catastrophic.

We will include intermodal insurance coverage in your policy. Not only will we cover you for liability for injury and damage to your truck, but you will also get coverage for the chassis itself. Most trucking companies do not own the chassis they use for intermodal shipping because they will normally lease it from the ocean freight company they work with. We can provide renter’s insurance for this important piece of equipment.

UIAA & Trailer Interchange 

The Uniform Intermodal Interchange and Facilities Access Agreement is considered a contract between trucking companies and equipment providers. The UIAA has its own insurance requirements for truckers. If you do this kind of trucking, you will have to have at least $1 million of general liability insurance. We will make sure you have the necessary Texas truck insurance to comply with UIAA rules. 

Available Coverage for One Vehicle 

Not all truckers work for trucking companies. There are plenty of independent truckers out there who simply own a truck and take hauls across the country. If you are an independent trucker, we can ensure that you are covered for every type of haul you take.

Personal Injury Protection

In the state of Texas, the person responsible for an accident is also responsible for its bills. Driver’s in the state must carry $30,000 in liability coverage for each injured person and  $60,000 per accident. $25,000 of insurance coverage is required. 

Injuries from trucking accidents can be much worse than injuries from accidents with passenger cars. Even though a truck driver may be in a sturdy vehicle, roll-over accidents are common, and a driver can be crushed underneath the weight of a truck. If one of your drivers is involved in an accident that somebody else has caused, $30,000 might not cover the bills.

About 8.3% of the drivers in Texas are uninsured. When your truck drivers have personal injury protection, they will be covered even if the driver who caused the accident is not. If their medical bills exceed the amount of money for which the other driver is covered, personal injury protection will help pay those bills. 

Physical Damage Insurance

If your truck driver is injured in an accident that they caused, liability insurance will not pay for their injuries or the physical damage to their truck. Personal injury protection insurance can pay for their medical bills, and so can health and workers’ compensation insurance. However, you will need commercial truck insurance for damage to the truck itself. 

Physical damage insurance will cover repairs for a rig whether it is involved in an accident or suffers damage from severe weather conditions, vandalized, or stolen. Semi-trucks are very expensive, and you want to make sure that you can replace a vehicle you lose as soon as possible.

Cargo Insurance

Liability and semi-truck insurance are necessary to ensure the safety of your vehicles and your crew. However, it is also important to ensure the safety of the products that you transport. Cargo insurance will cover you in case there is any damage to your shipment.

In addition to spilling all over the road or breaking during an accident, cargo may get stolen during a long trip. Simplex Group will take care of your client’s products in cases of damage or theft. If something should go wrong, we will see that they are quickly reimbursed so you can maintain a good relationship with them.

As with general liability insurance, the amount of cargo insurance you pay will depend on the kind of cargo you carry. If you carry general freight or dry goods, the FMCSA requires that you carry cargo insurance for $5,000 of insurance per vehicle and $10,000 per incident. 

If you have reefer trucks, carry cargo on a flatbed or take part in intermodal shipping, you will need a higher amount of insurance. The amount of cargo insurance a motor carrier needs will often be specified in their contract. We can make a commercial truck insurance policy that will meet the requirements of your contract. Call us for a commercial truck insurance quote.

General Liability Insurance

No matter what business a person is in, they need general liability insurance. General liability insurance will cover you if someone slips and falls on your property.

When you contact us, you will talk to a licensed agent who can get you non-trucking liability insurance and trucking insurance.

At Simplex, we want to take care of your new commercial trucking business just as much as you do. Call us today.

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