Serious Coverage for the Road’s Biggest Risks
Trucking keeps Texas running—but the risks are real, from major accidents to cargo claims and compliance headaches. Broken Spoke Insurance helps trucking companies, owner-operators, and new ventures get the right protection to keep hauling, stay legal, and avoid coverage gaps. We handle everything from regulatory filings to insurance certificates, so you can focus on the miles ahead.
Key Coverages for Texas Trucking Operations
Primary Liability
Required by TX DOT and FMCSA—$750,000 or $1M minimum for most interstate operations (covers injuries/damage you cause to others)
Motor Truck Cargo
Protects client freight if damaged, stolen, or lost in transit
Physical Damage
Pays for repairs or replacement of your truck (comp & collision—hail, wrecks, theft, fire)
Non-Trucking Liability (Bobtail)
Coverage for when you’re driving without a trailer or not under dispatch
Coverage for All Industries
Whether you run a farm, machine shop, restaurant, or office, we tailor policies to your operations and payroll.
Trailer Interchange
Covers trailers you don’t own when swapping with other carriers
General Liability (Trucking Operations)
Protects your business against lawsuits from terminal operations, loading docks, or customer sites
Occupational Accident/Workers Comp
For owner-operators and fleets—protect your drivers from injury-related costs
Regulatory Support & Filings
Staying compliant can be a hassle. We handle:
FMCSA/ICC filings (MCS-90, BMC-91X, state filings for TX, OK, NM, and more)
Certificates of insurance (COI)—fast, often same-day, to keep you hauling
Guidance for TX intrastate and cross-border operations
Trucking Insurance for Every Operation
Owner-Operators
Under your own authority or leased on, we tailor coverage to your setup and contract requirements
Fleets
Customized policies for 2 trucks or 200—plus safety program credits and fleet discounts
New Ventures
Markets for start-up authorities and new MC numbers; help with filings and competitive rates
All Vehicles
Semis, dump trucks, flatbeds, tankers, hotshots, box trucks, and more
Trucking Insurance Savings—Without the Shortcuts
- We shop top trucking insurers (Progressive, Great West, and others)
- Maximize discounts for safe driving, new safety tech, and risk management programs
- Adjust deductibles, payment plans, and coverage to fit your cash flow and risk tolerance
Frequently Asked Questions
What insurance is required for trucking in Texas?
Primary liability ($750k or $1M for most), cargo insurance, physical damage (if financed), and others based on your operation.
Can you insure new trucking companies or new authorities?
Yes—we help new ventures get started with markets for first-time MC numbers.
What’s the difference between trucking liability and cargo insurance?
Liability covers injuries/damage you cause to others; cargo covers your clients’ freight.
Do you cover multi-state trucking?
Yes—we’re licensed in 15 states and experienced with cross-border needs.
How fast can I get proof of insurance?
Often same day—get your COI and hit the road without delay.
Drive With Confidence—Get a Trucking Insurance Review
Don’t let gaps, slow filings, or sky-high premiums hold your business back. Broken Spoke Insurance brings expertise, options, and real support to truckers statewide. Let’s keep your wheels—and business—rolling strong.