Commercial truck insurance in Texas.
Primary liability is the coverage FMCSA requires to keep your authority active. It answers for the harm you cause someone else — and nothing on your own truck.
- $750K – $1M limits
- BMC-91 / BMC-91X filings
- Interstate and intrastate authority
Primary auto liability
Where the line falls
Primary liability pays for bodily injury and property damage you cause to others. Federal minimums start at $750,000 and most brokers and shippers require $1,000,000. We file your BMC-91 or BMC-91X electronically to help FMCSA reflect active coverage without interruption.
The line: the harm is to someone else
This side — Primary auto liability
Bodily injury and property damage you cause to other people.
The other side
Damage to your own tractor and trailer sits on the other side of the line, no matter who was at fault.
Physical damageWhat it answers for
- 01 Bodily injury to other people in an at-fault accident
- 02 Damage to vehicles, cargo, and property belonging to others
- 03 Legal defence costs arising from a covered liability claim
- 04 The filing that lets FMCSA reflect active coverage on your authority
Who asks for it
- 01 FMCSA, at a federal minimum of $750,000 for most interstate operations
- 02 Brokers and shippers, who commonly require $1,000,000
- 03 Texas intrastate authority, which has its own filing requirements
Questions
- Do you file the BMC-91 or BMC-91X with FMCSA?
- Yes, electronically, as soon as the policy binds. The filing is what tells FMCSA your liability coverage is active. Without it, your authority will not activate no matter how good your policy is.
- Can you insure a brand-new authority?
- Yes. New ventures are a large share of what we write. Expect a market that specializes in new authority and a higher down payment, but coverage is available from day one and we coordinate the filings so the authority activates without delay.
- What is a BOC-3 and do I need one?
- A BOC-3 designates a process agent in every state where you operate — someone legally authorized to receive court papers on your behalf. Every carrier with interstate authority is required to have one on file before the MC number activates.
Quote desk
Send it once. We market it to every carrier.
Give us the operation details and your MC or USDOT number. An agent pulls your safety profile, shops the risk across our markets, and comes back with real numbers.
We brought back what you entered last time, on this device only.
Get covered
Tell us what you haul. We will build the policy around it.
(713) 904-4970 · insurance@truckingservice.net