Complete your Texas Hotshot & Trucking file
Answer only the exact underwriting questions Texas carriers need to generate a real, bindable rate—plus upload your current dec page if handy.
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Business & Commercial Fleet • Licensed Texas Agency
Texas Hotshot, Box Truck & Motor Carrier Insurance Quotes
Load boards, freight brokers, and FMCSA/TxDMV authority won't wait. Compare Texas trucking markets for CDL and Non-CDL hotshots, 26ft box trucks, and tractor-trailers—with same-day COI and authority filings.
✓ $1M Auto + $100k Cargo
✓ CDL & Non-CDL Hotshot
✓ FMCSA BMC-91X & TxDMV Form E
30+ Texas Carriers Compared
Quote Texas Hotshot & Trucking
Enter your 5-digit Texas ZIP code to launch our guided Texas Hotshot & Trucking intake—zero duplicate typing.
Want to bundle another policy? Select multiple coverages in one intake →
New & Established Authorities
Markets for Day-1 new USDOT/MC ventures as well as established 1–20+ power-unit Texas fleets.
Broker-Accepted Markets
A-rated carriers accepted by major freight brokers, Amazon Relay, DAT/Truckstop shippers, and oilfield MSAs.
Live USDOT Auto-Prefill
Enter your USDOT number in `/quote` and our intake pulls your FMCSA census profile automatically.
What Texas Hotshot & Trucking covers — and Texas rules to watch
Plain-English underwriting guidance from licensed Texas producers so you never buy blind or miss a critical endorsement.
Core Protections
What’s Covered
- $750,000 to $1,000,000 Primary Auto Liability: Meets FMCSA interstate authority ($750k statutory / $1M standard broker requirement) and Texas intrastate motor carrier filings.
- $100,000–$250,000+ Motor Truck Cargo: Covers freight, machinery, building supplies, vehicles (auto haulers), or dry-van goods in transit—including optional Reefer Breakdown and Debris Removal.
- Physical Damage (Truck + Gooseneck / Semi Trailer): Stated/ACV collision and comprehensive for 3500/4500/5500 dually pickups, 40ft gooseneck flatbeds, 26ft box trucks, and Class 8 tractors.
- Truckers General Liability ($1M / $2M): Required by Amazon Relay, retail distribution centers, and shippers for loading-dock and non-driving premises claims.
- Trailer Interchange & Non-Owned Trailer: Covers customer or broker-owned drop-and-hook trailers in your possession under written interchange agreements.
- Non-Trucking Liability / Bobtail & Occupational Accident: Leased-on owner-operator packages when running under another motor carrier's MC authority.
Texas Underwriting Watch-Outs
Exclusions, Deductibles & Endorsements
- Freight Brokers Reject Sub-Standard Cargo Exclusions: Cheap cargo policies that exclude unattended vehicles, rust/moisture, tarping wetness, or electronics/copper get rejected by freight brokers—we quote broad-form cargo.
- Radius of Operation Accuracy: Declaring a 300-mile local radius while running coast-to-coast ELD logs triggers underwriting audits or claim issues; choose Honest 500-mile, Regional, or Unlimited US radius.
- Non-CDL GVWR Threshold (26,000 lbs Combined): A 14,000-lb GVWR dually coupled with a 14,000+ lb gooseneck equals 28,000 lbs GCWR—triggering CDL and federal motor carrier rules even if running empty!
- TxDMV Cab Card vs. Interstate MC: Hauling for-hire point-to-point strictly inside Texas over 26,000 lbs (or household goods/tow) requires active TxDMV Motor Carrier registration and Form E filing.
How We Shop Your Rate
One 3-minute intake. 30+ Texas carriers competing.
Skip repeating your details to five captive websites. Complete one structured Texas underwriting file and compare real bindable options.
Licensed Texas agent shops the panel
A licensed producer compares admitted and specialty underwriters for your exact Texas county, deductible preferences, and multi-policy discounts.
Soft inquiry • Never hurts credit
Bind & receive official proof
Review side-by-side options by email, text, or phone—with same-day ID cards, lender binders, SR-22s, or commercial COIs once bound.
All 254 Texas counties
Comparing 30+ TDI-admitted Texas carriers across all 254 counties
+ 25 More Markets — Start Quote
Bundle & companion Texas coverages
Close dangerous policy exclusions and unlock multi-policy discounts by combining companion coverages in a single intake.
Smart Texas Pairing
Trucking + General Liability
Add $1M/$2M Truckers GL required by Amazon Relay and major Texas distribution hubs.
Smart Texas Pairing
Motor Truck Cargo & Tools
Schedule chains, binders, tarps, pallet jacks, or specialized contractor cargo.
Smart Texas Pairing
Freight Broker / Carrier Bonds
Launching a brokerage too? Quote BMC-84 ($75,000 Freight Broker) surety bonds.
Texas Hotshot & Trucking — Frequently asked questions
Answers to the most common Texas statutory, lender, and underwriting questions.
Nearly all freight brokers and load boards require $1,000,000 Commercial Auto Liability and $100,000 Motor Truck Cargo ($250k for high-value loads or multi-car haulers), plus $1M/$2M General Liability for Amazon Relay and retail contracts.
Yes! Progressive Commercial, Berkshire Hathaway Homestate/National Indemnity, Kemper, and specialty trucking MGAs write brand-new Texas motor carrier ventures and transmit electronic BMC-91X filings.
Electronic BMC-91X insurance filings typically post to the FMCSA Licensing & Insurance (L&I) portal within 24 to 48 business hours once your BOC-3 process agent is also on file.
While federal interstate minimums for non-hazmat under 10,001 lbs are lower, Amazon Relay and virtually all commercial shippers require $1,000,000 Auto Liability + $100,000 Cargo + General Liability for 16ft–26ft box trucks.
Yes—driver age (23+ preferred, 21+ available) and MVR clean record determine which of our standard vs. new-venture trucking carriers offers the sharpest rate.