Commercial Trucking Insurance
Coverage That Moves With You
Owner-operators and small fleets deserve more than a one-size-fits-all policy. As an independent broker, we shop the market to find the right fit — not just the easiest sale.
Prefer to text? Text 469-949-5011
Coverage Options
Built for the Road You Actually Run
Every trucking operation is different. We build coverage around your authority, your cargo, and your routes — not a generic template.
Primary Liability
Federally required coverage protecting against bodily injury and property damage caused to others while your truck is on the road.
Physical Damage
Collision and comprehensive coverage for your truck and trailer — protecting your biggest asset from accidents, theft, fire, and weather.
Motor Truck Cargo
Covers the freight you're hauling against loss or damage while in transit — critical for owner-operators and small fleets carrying third-party loads.
Bobtail / Non-Trucking Liability
Covers your truck when it's operating without a trailer or outside of dispatch — filling the gap your motor carrier's policy leaves behind.
General Liability
Protects your trucking business from third-party claims of bodily injury or property damage that occur off the road — at a loading dock, customer site, or elsewhere.
Occupational Accident
An affordable alternative to workers' comp for owner-operators — covers medical expenses, disability, and accidental death benefits for the driver.
Who We Work With
From Single Trucks to Small Fleets
Whether you just got your authority or you're managing a growing fleet, we work with operators at every stage.
Owner-Operators
Single-truck operators running under their own authority or leased to a carrier.
Small Fleets
2–20 trucks — growing operations that need scalable, competitive coverage.
Long-Haul & OTR
Interstate runs across state lines, including cross-country freight lanes.
Regional & Local Haul
Intrastate and regional routes, including last-mile and dedicated lanes.
Specialty Freight
Flatbed, refrigerated (reefer), tanker, oversized, and hazmat operations.
Lease-On Operators
Drivers leased to a motor carrier who need their own supplemental coverage.
Market Access
We Place Coverage Across 48 States
Through Smart Choice and other commercial market relationships, Shay Koko Insurance Agency can place trucking coverage well beyond Texas — giving you access to competitive carriers regardless of where your routes take you.
Subject to carrier availability, underwriting guidelines, licensing, and product eligibility by state.
Common Questions
Trucking Insurance, Explained
Do you insure trucks outside of Texas?
Yes. Through Smart Choice and other commercial market relationships, Shay Koko Insurance Agency can place commercial trucking coverage across 48 states — subject to carrier availability, underwriting guidelines, licensing, and product eligibility.
What's the difference between bobtail and non-trucking liability?
Bobtail covers your truck when operating without a trailer. Non-trucking liability covers personal use of the truck outside of dispatch. Many carriers use the terms interchangeably, but the exact scope depends on your policy — we'll walk you through it.
Do I need my own policy if I'm leased to a carrier?
Usually yes. Your motor carrier's policy covers you while under dispatch, but it typically doesn't cover bobtail use, personal use, or cargo claims that fall below their deductible. An independent policy fills those gaps.
How do I get a commercial trucking quote?
Submit your information through our intake form or text or call 469-949-5011. We'll gather your DOT number, operating radius, cargo type, and equipment details to shop the market on your behalf.
What information do I need to get a quote?
Typically: DOT/MC number (if applicable), driver's license and MVR, truck year/make/model and VIN, cargo type, operating radius, and current or prior coverage details. We'll guide you through the process.
Ready to Get Covered?
Let's Find the Right Policy for Your Operation
Submit your information and we'll shop the market on your behalf — no pressure, no runaround.
Prefer to text? Text 469-949-5011