TRUCKING INSURANCE & BUSINESS SOLUTIONS
Built for Trucking. Built for Growth.
Texas Trucking Insurance for Owner-Operators and Fleets
From your first truck to your growing fleet, MYC helps trucking businesses navigate insurance, business setup, risk, and growth.
Commercial Trucking · New Ventures · Fleets · Risk Management
owner-operators, new trucking businesses, and small or growing fleets.
Trucking Insurance Coverage for Your Operation
Whether you’re starting with one truck or managing a growing fleet, the right insurance program depends on what you haul, where you operate, and how your business is set up. MYC Insurance Solutions helps trucking businesses review their risks and explore coverage options for their operation.
Common trucking coverages
Commercial Truck Liability (Auto Liability)
Covers your business’s legal responsibility for bodily injury or property damage resulting from a covered accident involving your truck.
General Liability
May help address certain third-party injury or property damage claims connected to your business operations outside the use of a truck.
Hired and Non-Owned Auto
May help address certain liability exposures when your business uses rented, leased, or employee-owned vehicles for work.
Motor Truck Cargo
Covers the freight you’re responsible for while it’s in transit. Covered property, causes of loss, limits, and exclusions depend on the policy.
Non-Trucking Liability
May provide liability coverage during certain personal-use periods when the truck is not being used on behalf of a motor carrier.
Workers’ Compensation
May provide benefits for covered employee work-related injuries or illnesses. Requirements depend on your business and where it operates.
Physical Damage
Covers a loss to your trucks or other vehicle. Depending on the policy, this can include collision and specified non-collision losses such as theft, fire, or weather damage.
Trailer Interchange
Covers damage to a non-owned trailer while it’s in your care under a written interchange agreement.
Umbrella or Excess Liability
May provide additional liability limits above certain underlying policies, subject to its terms and conditions.
Starting a trucking business?
We can also discuss startup planning, authority setup, and insurance coordination as you prepare to operate.
Serving trucking businesses in Texas, Indiana, Mississippi, Georgia, Alabama, Louisiana, California, Ohio, Michigan, & South Carolina
TRUCKING IS DIFFERENT
Your Business Has More Moving Parts.
Trucking businesses face unique insurance, regulatory, and operational risks. Having the right insurance matters—but understanding how the pieces fit together matters, too.
Starting Out
Business setup, authority guidance, and insurance coordination.
Running Your Business
Insurance reviews, risk guidance, and compliance coordination
Growing Your Fleet
Guidance as you add vehicles, hire drivers, win contracts, and expand your operation.
HOW MYC CAN HELP
Trucking Solutions for Every Stage.
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Insurance solutions tailored to your trucking operation, including your vehicles, drivers, cargo, and business requirements. We'll help you explore coverage options suited to your operation.
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A guided roadmap for new trucking entrepreneurs covering business formation, authority setup guidance, insurance coordination, and getting ready to operate. Services and third-party fees are subject to the package terms. You’ll be equipped to get on a load board and partner with a dispatcher as your MC number gains momentum.
✓ Business Formation
✓ Authority Setup
✓ Insurance Coordination
✓ Compliance Coordination
✓ Risk Planning
✓ Getting Ready to Operate -
A structured review of your current commercial insurance program to help identify potential coverage gaps, review limits and deductibles, and highlight opportunities for improvement.
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Ongoing guidance as your business grows and its insurance and risk needs evolve. Loss analysis and help with loss control efforts and support as your operations change.
TRUCKING BUSINESS LAUNCH
Starting a Trucking Company?
Start With a Plan. Not Guesswork.
Launching a trucking business involves more than buying a truck. MYC helps you organize the key steps, understand what needs to be addressed, and prepare for the road ahead.
YOUR LAUNCH ROADMAP:
Business formation guidance
Authority setup guidance
Insurance coordination
Compliance coordination
Risk planning
Preparation for operation
TRUCKING BUSINESS LAUNCH$899Services are subject to package scope. Government filings, permits, insurance premiums, and third-party fees may be additional.FAQs
What trucking insurance might a new owner-operator need?
It depends on whether you’re leased to a motor carrier or operating under your own authority. If you’re leased to a carrier, review your written lease and ask which coverages apply while you’re operating for the carrier—and what you may need for personal use or physical damage to your truck. If you operate under your own authority, your insurance needs may include commercial truck liability and other coverages based on your cargo, routes, vehicles, and customer or broker contracts. Review your situation with an insurance professional before you begin operating. Limits can depend on contracts and operations, and FMCSA requirements vary by authority, cargo, and vehicle.
Does trucking insurance include cargo coverage?
Cargo coverage is often separate from commercial truck liability. Whether you need it, and what limit makes sense, depends on the freight you haul, your contracts, and the policy’s covered property, exclusions, and limits. Share your typical cargo and any contract requirements when requesting a review. FMCSA confirms that requirements vary by carrier type, operating authority, cargo, and vehicle; it also says cargo insurance is federally required for household-goods carriers and household-goods freight forwarders. FMCSA insurance requirements FMCSA cargo insurance FAQ