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Trucking Insurance
Personal Auto
General Liability
Workers Comp
Homeowners
Life Insurance
Free Quotes
Licensed AgentsTrucking Insurance
Personal Auto
General Liability
Workers Comp
Homeowners
Life Insurance
Free Quotes
Licensed Agents
Coverage Options
Insurance For Every Need.
Trucking
Trucking Insurance
Required for your MC authority to activate — we work with
trucking-specific carriers to get you covered fast.
Primary liability (BMC-91)
Cargo coverage (BMC-34)
Physical damage
Bobtail / Non-trucking
Trailer interchange
Commercial
Commercial Insurance
Protect your business from liability, property damage, and
employee-related risks. We shop multiple carriers for the best
rate.
General liability
Commercial auto
Workers compensation
Business owners policy (BOP)
Professional liability
Personal
Personal Insurance
Auto, home, and life insurance for you and your family — we
compare rates from multiple carriers so you get the best deal.
Personal auto
Homeowners / renters
Life insurance
Motorcycle
Umbrella policy
Required for Trucking Authority
Trucking Insurance — We Make It Easy.
If you're getting your MC authority, your insurance company must
file BMC-91 (liability) and BMC-34 (cargo) forms with FMCSA before
your authority goes active. We handle the introduction and make sure
it's done right.
Primary Liability
Required minimum: $750K for general freight
$1M+ for hazmat operations
Filed with FMCSA via BMC-91 form
Required before authority activates on SAFER
Cargo Coverage
Protects the freight you're hauling
Filed with FMCSA via BMC-34 form
Required for many broker contracts
Minimum $5,000 — most get $100K+
Physical Damage
Covers repair or replacement of your own truck
Includes collision and comprehensive coverage
Required by most lenders & lease agreements
Protects your equipment investment on every load
Trailer Interchange
Covers damage to trailers you don't own
Required under most trailer interchange agreements
Applies while the trailer is in your possession
Common for intermodal and port drayage carriers
Bobtail Insurance
Covers your truck when driving without a trailer
Fills the gap when primary liability doesn't apply
Required by many motor carriers for owner-operators
Affordable coverage — typically low monthly cost
Why Use Us
We shop multiple trucking-specific carriers
Fastest quotes for new authority applications
We coordinate the BMC filings directly
One call — authority and insurance together
Getting a new trucking authority?
Do not buy your own insurance yet.
Contact us first — we'll send a free quote to your carrier, and
once you have your MC number, we coordinate the BMC-91 and BMC-34
filings so your authority activates on SAFER properly.
Why Tax Pro Insurance
We Work For You, Not the Insurance Company.
We Shop Multiple Carriers
We compare rates from multiple insurance companies so you get the
best coverage at the best price.
Licensed Agents
Properly licensed insurance agent — not a referral service. We
handle your policy from quote to binding.
Trucking Specialists
We specialize in trucking insurance and understand BMC filings,
FMCSA requirements, and new authority timelines.
We Answer the Phone
Questions about your policy? Need to update something? We're
reachable — no 1-800 runaround.
Bilingual Service
We explain your coverage in English and Spanish so you understand
exactly what you're buying.
One Stop
Getting your LLC and trucking authority here too? We coordinate
insurance as part of the whole package.
Free Quote
Get Your Free Insurance Quote.
Fill out the form below and we'll get back to you within 1 business
day with your quote options.
Request Your Quote
No pressure — just a free comparison of your best options.
Personal
Commercial
Trucking
We'll call you within 1 business day. No spam, no pressure, no
commitment required.
Texas Insurance Facts
What You Need to Know About Trucking Insurance in Texas.
🛡️ Primary Liability is Required Before Your Authority Goes Active
The FMCSA requires proof of primary liability insurance before your
trucking authority becomes active. Your insurance carrier must file
a BMC-91 form directly with FMCSA — without it,
your authority will not be granted. We connect you with carriers
that handle this filing for you.
📦 Cargo Insurance Requires a BMC-34 Filing
If you haul freight, cargo insurance (BMC-34) is required by the
FMCSA and most brokers will not assign you loads without it. Cargo
insurance protects the freight you're hauling if it's lost, damaged,
or stolen. Most Texas trucking companies need at least $100,000 in
cargo coverage.
💰 Texas Minimum Liability for Commercial Trucks is $750,000
Federal law requires interstate carriers hauling general freight to
carry a minimum of $750,000 in primary liability.
Carriers hauling hazardous materials may require up to $5 million.
Texas intrastate carriers must also meet TxDMV minimum insurance
requirements before operating.
📋 New Authorities Have a Higher Insurance Risk Profile
New trucking companies with less than 2 years of operating history
are considered high-risk by many insurance carriers, which means
higher premiums and more rejections. At Tax Pro Multi-Services, our
licensed agents specialize in finding coverage for new Texas
trucking authorities — even when other carriers say no.
🚗 Non-Trucking Liability Covers You When You're Off Dispatch
Your primary liability only covers you while under dispatch.
Non-trucking liability (NTL) covers you when you're
driving your commercial truck for personal use or when not under a
load. Many Texas owner-operators overlook this gap in coverage — we
make sure you're fully protected.
🔄 Insurance Lapses Can Revoke Your Operating Authority
If your insurance lapses, your carrier files a
BMC-91X cancellation notice with FMCSA and your
authority can be revoked within 30 days. Once revoked, you must go
through the full reinstatement process. Staying current on your
insurance is one of the most important compliance requirements for
Texas carriers.
What Our Clients Say
Real Reviews from Real Houston Clients.
★★★★★
"Excellent customer service from start to finish. They were kind,
respectful, and very knowledgeable. They made something stressful
feel easy and made sure I got all the information I needed. I'm very
thankful for their help and would definitely return."
Lisa F.
Google Review · Houston, TX
★★★★★
"My third year dealing business with this wonderful company and they
never disappoint!!"
Tamara Jackson
Google Review · Houston, TX
★★★★★
"The ladies here are very amazing. Always great with communication
and explaining everything to the smallest detail. They always go
above and beyond for us as customers — them being bilingual is a
plus! Recommended 100%."
Jose D Elizondo
Google Review · Houston, TX
Questions About Coverage?
Call us and a licensed agent will walk you through your options.
