Trucking Insurance
What is Trucking Insurance?
Trucking insurance is a specialized type of commercial vehicle insurance designed to protect businesses and individuals who operate trucks for transporting goods. Whether you're an owner-operator running a single rig or managing a fleet of 18-wheelers, the right trucking insurance policy protects you from accidents, cargo damage, liability claims, and vehicle theft.
At TAP Insurance Agency in Rhome, TX, we are an independent agency — which means we shop multiple top-rated carriers to find you the best trucking insurance rates in Texas. Unlike captive agents who only sell one company's policies, we compare options from several insurers so you get the right coverage at a competitive price.
We serve owner-operators, small and large fleets, hotshot haulers, and intermodal trucking
Trucking Insurance Coverage We Offer
Every trucking operation is different. TAP Insurance Agency works with you to build a policy that fits your specific needs and budget. Here are the key coverages we offer for Texas truckers:
Primary Liability (Auto Liability) — Required by the FMCSA for all commercial trucks. Covers bodily injury and property damage you cause to others. Most for-hire truckers need $750,000 to $1,000,000 in liability coverage.
Physical Damage — Covers repairs or replacement of your truck and trailer due to collision, fire, theft, vandalism, or weather events. This protects your most valuable asset — your rig.
Cargo Insurance — Protects the freight you're hauling. If goods are damaged, lost, or stolen during transport, cargo insurance covers the value of the load.
Bobtail / Non-Trucking Liability — Covers your truck when you're driving without a trailer or not under dispatch. This fills a gap that your primary liability may not cover.
General Liability — Covers your trucking business for third-party claims that happen off the road, such as at a loading dock or customer facility.
Occupational Accident Insurance — Provides benefits similar to workers' compensation for owner-operators and independent contractors.
Not sure which coverages you need? That's where an independent agent helps. We'll review your operation, your authority, and your contracts — then recommend exactly what you need.
Who We Insure
TAP Insurance Agency provides trucking insurance for a wide range of operations in Texas, including owner-operators, small fleets (2-10 trucks), large fleets (10+ trucks), hotshot truckers, new authorities, intermodal and drayage operators, and long-haul and regional carriers.
Just got your USDOT number and MC authority? We work with carriers that insure new trucking ventures — even if you have limited operating history.
Why Choose TAP Insurance for Trucking?
We are an independent agency, which means more options and better rates for you. We represent multiple A-rated insurance carriers and compare quotes side-by-side. We understand the complexities of trucking insurance — FMCSA requirements, filing forms, cargo limits, and radius classifications. We provide fast certificates of insurance so you don't miss loads. And we're right here in Rhome, Texas — not a 1-800 number. When you call TAP, you talk to a real person who knows your account.
Get a Free Trucking Insurance Quote Today
Ready to compare trucking insurance rates from top Texas carriers? Call us at (800) 666-2254, visit our office in Rhome, TX, or fill out our online quote form. We'll shop multiple carriers and find you the best coverage atcompanies throughout Wise County, the Dallas-Fort Worth metroplex, and all of Texas.
Contact us to learn more about the right trucking insurance for you.