What We Cover
The I-35 and I-45 corridors make North Texas one of the busiest freight regions in the country. From produce loads heading north out of the Rio Grande Valley to flatbed hauls serving the DFW construction boom, trucking operations face risks that standard commercial auto policies were never designed to cover. A single at-fault accident involving a loaded Class 8 rig can generate claims well into seven figures.
Collin County Insurance Group writes trucking insurance for owner-operators, small fleets, and specialty haulers across Texas. We have access to specialty trucking markets that most retail agencies can’t touch — and we understand the FMCSA compliance requirements that come with operating under your own authority.
Who Needs Trucking Insurance
If you operate any DOT-regulated commercial vehicle, you need a trucking-specific policy — not a standard commercial auto policy designed for pickups and vans. We insure:
- Owner-operators — single-truck operations running under your own authority or leased onto a carrier
- Small fleets (2–15 units) — local, regional, and long-haul operations
- Long-haul and OTR carriers — cross-country operations requiring higher liability limits
- Hotshot carriers — Class 3–5 trucks hauling on flatbed trailers under DOT authority
- Flatbed and heavy-haul operators — oversized loads, construction materials, and equipment transport
- Dump trucks and aggregate haulers — short-haul operations serving construction and infrastructure projects
- New ventures — we have markets that will write trucking operations with no prior operating history
- Intermodal and drayage — port and rail container hauling
What We Cover
Every trucking policy must meet FMCSA minimum financial responsibility requirements, but minimums leave you dangerously exposed. We build programs that protect you properly.
Primary Auto Liability is the foundation of any trucking policy. FMCSA minimums are $750,000 for general freight, $1,000,000 for hazmat haulers, and $5,000,000 for certain commodities. Most motor carriers should carry at least $1,000,000 regardless of cargo type — brokers and shippers increasingly require it before they’ll tender loads.
Physical Damage covers your truck and trailer against collision, fire, theft, and weather damage. For a $150,000 sleeper rig, going without physical damage coverage is gambling with your livelihood.
Motor Truck Cargo protects the freight you’re hauling. Cargo claims happen more often than most truckers expect — temperature excursions, shifting loads, and theft at truck stops account for millions in losses annually. We write cargo limits from $100,000 to $250,000 and higher.
Non-Trucking / Bobtail covers your rig when you’re not under dispatch — driving home, running personal errands, or deadheading without a load. If you’re leased onto a carrier, their insurance only covers you while you’re on their business.
Trailer Interchange covers physical damage to trailers you don’t own but are pulling under a trailer interchange agreement. Essential for intermodal and drayage operations.
DOT Compliance and Filing
Operating under your own FMCSA authority means meeting strict insurance filing requirements. We handle the paperwork so you can focus on driving.
- MCS-90 endorsement — proof of financial responsibility filed with FMCSA, required for all for-hire carriers
- BMC-91 filing — certificate of insurance filed electronically with FMCSA on your behalf
- BMC-34 filing — required for freight brokers and freight forwarders
We also help owner-operators understand how their CSA scores and safety record affect insurance pricing. A clean Inspection Selection System (ISS) score and low BASICs percentiles can mean the difference between competitive rates and being declined.
Why Choose Collin County Insurance Group
Trucking insurance is a specialty market — most general insurance agencies don’t have the carrier relationships or underwriting knowledge to place it correctly. Tony Nichols works directly with trucking-focused MGAs and carriers including Combined Group, Johnson & Johnson MGA, and national markets that specialize in small fleet and owner-operator programs.
We know which markets have appetite for new ventures, which ones offer the best cargo coverage forms, and which will work with you on payment plans that match your cash flow. One call to our office, and we shop your operation across multiple markets simultaneously.
How It Works
- Tell us about your operation — equipment list, radius, commodities hauled, loss history, and driver information.
- We shop the trucking markets — comparing rates, coverage forms, and payment options across specialty carriers.
- You pick the best fit — we explain the differences between each option so you can make an informed decision.
- Filings and certificates in hand — MCS-90, BMC-91, and certificates of insurance issued so you can get moving.
Whether you’re a single owner-operator just getting your authority or running a 15-truck fleet out of Collin County, we make the process straightforward. Need workers compensation or general business coverage to round out your program? We handle that too — one agency, one call.
Ready to protect your trucking operation? Contact us for a free quote today.
