Trucking Insurance
Comprehensive trucking coverage that protects your fleet and cargo while shielding you from passenger liability claims, giving you the confidence to navigate highways knowing your business is fully secured.
We deliver specialized trucking coverage, understanding the unique challenges facing transportation professionals today.
With over 30 years of dedicated experience protecting transportation companies, our expert advisors bring comprehensive understanding of trucking industry risks to every client relationship. We work closely with you to develop insurance solutions that safeguard against cargo losses, liability exposures, and fleet risks while staying ahead of DOT regulations and safety requirements. Our commitment to ongoing support ensures your trucking operation maintains complete protection as your fleet and service territory grow.
Our licensed transportation insurance specialists serve a diverse range of trucking operations, from independent owner-operators to nationwide fleet carriers. Through continuous monitoring of DOT regulations, safety standards, and emerging logistical risks, we stay ahead of evolving industry challenges. This proactive approach ensures your policy provides comprehensive protection against cargo losses, liability incidents, and equipment-related damages.
We go beyond standard trucking coverage to provide comprehensive protection tailored to your specific transportation operations. Our policies cover everything from cargo and equipment damage to liability and driver safety incidents, ensuring no aspect of your trucking business is left exposed.
Hear from our customers
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Have been a client for almost 7 years. Kristina catches the phone on the first ring, makes me feel like I am the most important call of her day and always goes the extra mile to meet my needs or solve my problem. She is a keeper!!! She makes TWFG Khan Insurance Services better!!!!
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My Company CDS Protective Services LLC was in need of insurance and I was so frustrated that other companies had not getting back with me. I called Kristina on a late afternoon and had it all taken care of by the next morning. Kristina was knowledgeable and explained everything to me on the phone.
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Our company was in need of insurance and we were frustrated through other companies not getting back with us. I called Sameer on a late afternoon and had it all taken care of by 11:00 the next morning. He was knowledgeable and explained everything on the phone.
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TWFG Khan Insurance Services assisted our small family owned trucking company with commercial insurance in our first year of business. They were able to get us with the best company that would provide us a policy with the lowest rate. Not only that but their staff provides the most exceptional service, especially Chandler Bennett.
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Comprehensive professional protection, tailored to your industry's unique risks and compliance needs.
• Basic liability protectioncovers bodily injury, property damage, and legal defense costs resulting from accidents involving your commercial trucks during operation.
• Public liability coverageextends to third-party claims, environmental cleanup costs, and emergency response expenses following trucking-related incidents.
• Legal defense protectionincludes attorney fees, court costs, and settlement negotiations for claims arising from covered trucking accidents.
• Emergency response coverageprovides immediate assistance for accident scene management, spill containment, and temporary traffic control measures.
• Comprehensive cargo coverageprotects against damage, theft, or loss of transported goods during loading, transit, and unloading operations.
• Temperature control protectioncovers losses due to refrigeration breakdown, temperature fluctuations, and mechanical failures during temperature-sensitive shipments.
• Loading/unloading securityprovides coverage for cargo damage during handling, equipment malfunction, and operator errors at terminals.
• Cross-border cargo protectionincludes international shipping coverage, customs delays, and documentation errors for transported goods.
• Collision damage coverageprotects against accidents, rollovers, and impacts with other vehicles or stationary objects during operation.
• Comprehensive vehicle protectionincludes coverage for fire, theft, vandalism, and natural disasters affecting your trucking fleet.
• Equipment breakdown coverageextends to mechanical failures, electrical malfunctions, and critical system breakdowns during normal operations.
• Emergency repair protectioncovers roadside assistance, temporary repairs, and towing services for disabled commercial vehicles.
• Hazmat transportation coverageincludes specialized protection for chemical spills, containment procedures, and environmental cleanup during hazardous material transport.
• Non-trucking liability protectioncovers personal use, maintenance trips, and off-duty vehicle operation when not under dispatch.
• Terminal operations coverageprotects against property damage, equipment failures, and worker injuries at your facility.
• Trailer interchange protectionincludes damage coverage, theft protection, and liability for non-owned trailers under your care.
On average, Trucking Insurance costs around $8,500 annually; however, individual premiums vary based on several factors:
Historical accident data and violations directly impact premium costs, with each preventable accident potentially increasing rates by fifteen to thirty percent.
Transporting hazardous materials or high-value goods like electronics requires specialized coverage, resulting in substantially higher insurance premiums for carriers.
Long-haul operations crossing multiple state lines face higher premiums than local routes due to increased exposure and jurisdictional complexities.
Newer trucks with advanced safety features and regular maintenance records typically qualify for lower premiums than older, less-maintained vehicles.
Companies with clean claims records over three years often receive significant premium discounts compared to those with recent loss experiences.
Frequently Asked Questions
Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.
Federal regulations require a minimum of $750,000 in primary liability coverage for general freight carriers. Additional requirements include cargo insurance, physical damage coverage, and non-trucking liability insurance for owner-operators. Coverage needs may vary based on cargo type, truck size, and operating radius. Some shippers or brokers may require higher limits than federal minimums. Regular policy reviews and compliance checks help ensure continuous operational authority and contract eligibility.
Motor cargo insurance covers theft, damage, and loss during transportation, typically including loading and unloading operations. Coverage extends to various cargo types but may exclude high-value items or hazardous materials without specific endorsements. Time limits often apply for claims reporting, and proper security measures may be required. Maintaining detailed shipping documentation, implementing security protocols, and promptly reporting incidents are essential for claim approval and coverage maintenance.
Most commercial trucking policies provide coverage across state lines through interstate endorsements and regulatory filings. However, coverage terms may vary by jurisdiction and require specific state filings or additional endorsements. Some policies restrict coverage to defined geographic regions or exclude certain territories. It's crucial to inform your insurer about all operating territories, maintain proper permits, and understand state-specific requirements for comprehensive protection.
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For over a decade, TWFG Khan Insurance Services has been the trusted partner for businesses across Texas and neighboring states. We specialize in complex insurance solutions for maritime, oil & gas, and construction industries where standard coverage isn't enough.
Don't let gaps in coverage put your business at risk. Our team of specialists will work with you to create a comprehensive protection plan that keeps your business secure and compliant.
Join the hundreds of businesses who trust us with their most critical insurance needs.
