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The broker sent a carrier agreement. Does your insurance match it?

Commercial truck insurance for Texas fleets and owner-operators, checked against the agreements you haul under and the filings that keep you running. Talk to a licensed specialist. No charge.

Free. A specialist replies within one business day. No obligation.

Look up your DOT number the way an underwriter does
  • Read by a licensed agent, not a call center
  • FMCSA and TxDMV filings checked
  • Texas fleets and owner-operators

Trucking companies call us at one of three moments.

A broker agreement or carrier packet flagged your insurance

Cargo limit too low, reefer breakdown missing, a unit not on the policy, the wrong legal name. Until it clears, you can’t book their loads.

Your renewal came back high, or not at all

A big increase or a non-renewal notice usually traces to something specific: losses, a driver, radius, CSA data or the market. The fix starts with knowing which.

You’re growing: new authority, more trucks, leased owner-operators

Each step changes your filings and your policy. A new MC number needs its filings posted before you can run; each new unit and driver has to be on the policy before it hauls.

See your company the way an underwriter does.

Underwriters pull your public FMCSA record before they quote: authority, insurance on file, inspections, out-of-service rates and when you last updated your MCS-150. Enter your USDOT number and see the same record, with notes on what stands out.

Same policy form, different exposure. It depends what you haul.

Dry van & reeferCargo terms, theft conditions and reefer breakdown decide the claim.Flatbed & heavy haulSecurement, high-value machinery, oversize permits and escorts.Dump & aggregateJob sites, general contractor agreements and off-road exposure.Tanker & hazmatHigher federal minimums, pollution and the MCS-90 tiers.HotshotPickup and gooseneck rigs under their own authority.Oilfield haulingWater, sand and crude on lease roads, with RRC permits.

Also: box trucks, car haulers, tow trucks, drayage, livestock, cross-border.

Where a carrier packet rejects your certificate.

Broker onboarding reads your certificate against the agreement, and often against your FMCSA record too. A mismatch on any line holds up the setup. These are the spots that bounce.

Why carrier packets reject insuranceCertificate holder vs additional insured

Sample trucking certificate: where onboarding fails

Annotated sample trucking certificate of insuranceA sample trucking certificate with eight numbered problems: insured name does not match the FMCSA legal name, auto liability on scheduled autos without the dispatched unit listed, cargo limit below the agreement, reefer breakdown not shown, wrong certificate holder name or address, expired policy dates, additional insured box checked without an endorsement, and no cancellation notice to the holder.CERTIFICATE OF INSURANCESAMPLE · FICTIONAL DATAINSUREDLone Star Freight Lines, LLCLaredo, TX1CERTIFICATE HOLDERExample Freight BrokerageOld suite number, Dallas, TX5TYPE OF INSURANCEADDL INSDSUBR WVDPOLICY PERIODLIMITSAutomobile liability☐ any auto ☑ scheduled autosX710/15/25 - 10/15/266Combined single $1,000,000Motor truck cargoscheduled vehicles10/15/25 - 10/15/26Per vehicle $50,000Deductible $2,5003General liability10/15/25 - 10/15/26Each occurrence $1,000,000DESCRIPTION OF OPERATIONS / VEHICLESScheduled units: 101 (VIN ending 4821), 102 (VIN ending 7730)2Refrigerated freight. Cargo coverage per policy form.4Certificate holder is additional insured.CANCELLATIONIf a policy above is cancelled before it expires, notice is handled the waythe policy itself provides.8
  1. 1Name does not match FMCSA. The certificate says "LLC" but the USDOT record and operating authority say "Inc." Onboarding checks compare the two, including DBAs.
  2. 2Unit not on the schedule. Auto liability is written on scheduled autos, and the truck dispatched on the load is not on the list. The broker may ask for the VIN to be added.
  3. 3Cargo limit below the agreement. A $50,000 cargo limit against a broker-carrier agreement that asks for $100,000 fails, however clean the rest is.
  4. 4Reefer breakdown not shown. A refrigerated carrier with nothing showing reefer breakdown coverage. Many cargo forms leave out spoilage from unit failure unless it is added.
  5. 5Holder name or address wrong. The broker's legal name or mailing address does not match its setup instructions, so the certificate is sent back.
  6. 6Policy period expired. Last term's certificate. Dates are the first thing an automated check reads.
  7. 7Additional insured box without the endorsement. An X under ADDL INSD does not add anyone to the policy. If the agreement asks for it, the policy needs an endorsement.
  8. 8No cancellation notice to the holder. The standard wording only points to the policy provisions. A promise to notify the holder takes an endorsement on the policy.
Fictional, simplified certificate laid out in the style of a standard liability certificate; it is not a copy of any official form. A certificate only summarizes coverage. Brokers and onboarding platforms compare it against the FMCSA record and the broker-carrier agreement, and the policy and its endorsements decide what is actually covered.

Paste your broker agreement. See what it asks your insurance to do.

The free decoder pulls out the liability and cargo limits, the cargo terms, endorsements and paperwork, explains what each needs from your policy, and flags where carrier packets usually push back. It runs in your browser.

Open the decoder

Federal law sets the floor. Your contracts set the real number.

FMCSA minimums depend on what you haul, and the MCS-90 guarantees them to the public. Brokers and shippers usually ask for more, and an umbrella sits on top when a contract or a serious accident goes past the primary limit.

FMCSA insurance minimums, explained

How a trucking liability tower stacks

Trucking liability tower with federal minimum limitsA stack of liability layers. At the bottom, primary auto liability, with marks at 750 thousand dollars (the federal minimum for for-hire interstate general freight) and 1 million dollars (commonly required by brokers and shippers, and the federal minimum for oil and many hazardous materials). Above it, umbrella or excess liability up to 5 million dollars, the federal minimum for certain bulk hazardous materials, and additional excess above that. An MCS-90 endorsement is attached to the primary policy as a guarantee to the public, not extra coverage.Liability layersCommon limits and minimumsAdditional excessfor contracts that ask for moreUmbrella or excess liabilitypays only after the primarylimit is used upPrimary auto liabilitythe first policy to pay a crash claim$0$750,000Federal minimum for for-hireinterstate general freight,vehicles 10,001 lbs and up$1,000,000Commonly required by brokers andshippers; federal minimum for oiland many hazmat loads$5,000,000Federal minimum for certain bulkhazmat; often built as primaryplus excessMCS-90Guarantee to the public,not extra coverage.Carrier repays insurer.attached to the primary
Not to scale. Federal minimums are from 49 CFR 387.9: $750,000 for for-hire interstate carriers hauling nonhazardous property in vehicles rated 10,001 lbs or more, $1,000,000 for oil and many hazardous materials, and $5,000,000 for certain bulk hazardous materials. Texas intrastate carriers meet TxDMV's minimums instead. The MCS-90 makes the insurer pay a judgment owed to the public, up to the required minimum, even where the policy itself would not respond, and the carrier then owes the insurer that money back.

From the ports to the Panhandle.

All Texas locations

Questions owners ask us

All questions

How working with us works

Who will I be talking to?

A licensed insurance agent who works with Texas trucking companies and reads broker-carrier agreements, carrier packets and loss runs every week. Not a call center and not a lead-reselling site.

Does a review or a conversation cost anything?

No. Talking through your program and checking a broker or shipper agreement against your current policies is free, with no obligation to move anything.

What should I have ready?

Your USDOT number, your current certificate or declarations pages, and the insurance section of any agreement you are hauling under. Loss runs help if a renewal is coming. None of it is required to start.

Do you work with owner-operators or only fleets?

Both: owner-operators with their own authority and fleets of every size, interstate and intrastate. Owner-operators leased onto another carrier usually need non-trucking liability, physical damage and occupational accident rather than primary liability.

Can you help if my renewal is months away?

Yes, and that is the best time. Underwriters want clean submissions with loss runs, driver lists and unit schedules; the earlier those are ready, the more options there are.

How is coverage placed?

Coverage is placed through a licensed Texas insurance agency. We explain insurance, not law, so indemnity and contract wording should also go past your attorney.

Talk to a trucking insurance specialist.

Response time
Within one business day
No obligation
A conversation and a review, not a pitch
Built for trucking
Broker agreements, cargo terms, filings
Prefer to call?
972-532-1861

Have a broker or shipper agreement in hand? Send it for an agreement review.

Coverage is placed through a licensed Texas insurance agency. We explain insurance, not law: indemnity and contract wording belongs with your attorney.

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