Coverage That Keeps You on the Road

Trucking Insurance for Texas Drivers

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South Fwy Office:

7200 South Fwy. Fort Worth, TX 76134

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South Fwy Phone:

817-223-1886

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Hemphill Office:

4043 Hemphill St. Fort Worth, TX 76110

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Hemphill Phone:

817-952-9995

Big Risks Need Reliable Coverage

We Help Fort Worth Truckers Stay Protected

Whether you run a single semi or a full fleet, trucking insurance isn’t just required—it’s essential. VIP Insurance & Services helps independent drivers and companies across Fort Worth get the right protection for their routes, cargo, and livelihood. Bilingual, local, and built for the road ahead.

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Texas and FMCSA laws require minimum coverage for all commercial trucks.

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Different policies apply for owner-operators, leased drivers, and motor carriers.

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Coverage can include liability, physical damage, cargo, and more.

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VIP works with you to stay compliant, insured, and confident behind the wheel.

What Trucking Insurance Covers

Every rig and route is different. We help you build a policy that protects what matters.

Request a Trucking Insurance Quote Today

Primary Liability

Required by law. Covers bodily injury and property damage caused by your truck.

Motor Truck Cargo

Protects the freight you're hauling in case of loss, theft, or damage in transit.

Physical Damage Coverage

Pays to repair or replace your truck due to accident, fire, or theft.

13M

Over 13 million commercial trucks operate in the U.S.


Source: American Trucking Associations (ATA)

91%

91% of fleets in the U.S. operate six or fewer trucks—small businesses need protection too.


Source: U.S. Department of Transportation

$750,000

Federal law requires a minimum of $750,000 in liability coverage for certain freight.


Source: Federal Motor Carrier Safety Administration (FMCSA)

Insurance Questions from Texas Truckers

Trucking Insurance FAQs

  • What type of trucking insurance do I need?

    It depends on your operation. Owner-operators may need different policies than fleet owners or leased drivers. We’ll walk you through the right coverage.

  • How much liability coverage is required?

    FMCSA requires between $750,000 and $5 million depending on cargo type. We'll help make sure you're compliant and protected.

  • Does trucking insurance cover my trailer?

    Not always. Trailer interchange or comprehensive policies are available to add trailer protection. We’ll help tailor your plan.

  • Can I get cargo coverage for high-value loads?

    Yes. We offer customized cargo protection options for valuable or sensitive freight—just tell us what you haul.

  • How fast can I get proof of insurance?

    In most cases, same-day COIs (certificates of insurance) are available. We're fast, responsive, and ready to help you roll.