Commercial Truck Insurance in Waco

About Us

Hi there, I’m Scott. I was born and raised in Richmond, TX, and after college, I came right back—because this is home. My wife and I aren’t going anywhere, and neither is my commitment to taking care of the hard-working truckers who keep Texas moving.

For over 25 years, I’ve worked with owner-operators and fleet owners, helping them protect their rigs, their livelihoods, and their families. I know every road, every zip code, and exactly which insurance companies offer the best coverage at the best rates. Trucking isn’t just a job—it’s a way of life, and I respect every mile you put in.

When you work with me, you’re not just another policy number—I make sure you’re covered like family. No fluff, no runaround—just straight-shooting, top-tier service from someone who knows truckers and truck insurance.

Commercial Trucking Insurance in Waco, Texas

What you need to know

If you’re in the trucking business in Waco, insurance isn’t just a requirement—it’s your safety net. Whether you’re an owner-operator, fleet owner, or running a logistics company, the right Commercial truck insurance policy protects you from financial disasters that could put you out of business.

Trucking comes with high risks—accidents, cargo theft, breakdowns, and legal liabilities are everyday realities. Without proper coverage, a single incident could lead to massive repair costs, lost income, or lawsuits. Federal and state regulations require specific coverage limits, and many shippers and brokers won’t even work with you unless you meet their insurance requirements.

But beyond just compliance, having the right protection ensures your livelihood stays secure no matter what happens on the road. Don’t wait until an accident happens—make sure your business is covered before you need it.

Why You Need Commercial truck insurance in Waco, Texas

✅ Legal Compliance – FMCSA and state laws require trucking liability coverage to operate legally.
✅ Financial Protection – Covers repairs, medical bills, and legal fees after an accident.
✅ Shipper & Broker Requirements – Many contracts demand specific coverage limits.
✅ Business Continuity – Protects against downtime, lost revenue, and unforeseen disruptions.
✅ Driver & Employee Safety – Ensures medical expenses and worker’s comp benefits if an accident happens.

How Much Does Commercial Truck Insurance Cost in Waco?

Commercial truck insurance costs in Waco vary based on several factors, including the type of truck, cargo, driving history, and coverage requirements. On average, owner-operators with their own authority may pay higher premiums compared to those leased onto a carrier.

Key factors that impact pricing include:

Truck Type & Usage – Long-haul trucks typically have higher insurance costs than local delivery trucks.
Driving Record – A clean record can lower premiums, while violations or accidents can increase costs.
Coverage Limits – Higher liability limits and additional coverages like cargo insurance impact total premiums.
Location – Insurance rates in Waco can fluctuate based on state regulations, accident rates, and business operations.

To get an accurate quote tailored to your business, speak with an experienced trucking insurance provider who understands the unique risks of operating in Waco.

Trucking Insurance Coverages to Protect Your Business

Primary Auto Liability

Required by law, this covers bodily injury and property damage you may cause to others in an accident. It’s the foundation of your trucking insurance.

Physical Damage Coverage

Protects your truck and trailer from collisions, theft, fire, vandalism, and natural disasters. If your rig gets damaged, this keeps you from paying out of pocket.

Cargo Insurance

Covers cargo loss or damage due to accidents, theft, fire, or other incidents. Some shippers require specific limits depending on what you’re hauling.

Business Owner’s Policy

A bundled policy that includes General Liability, Commercial Property, and Business Interruption Insurance, protecting businesses from lawsuits, property damage, and income loss due to covered events.

Worker’s Compensation

Covers medical expenses and lost wages if you’re injured on the job. A must-have for independent owner-operators.

Non-Trucking Liability (NTL)

Covers you when you’re driving your truck for personal use and not under dispatch.

Choosing The Right Commercial truck insurance Policy in Texas

The right insurance keeps your truck, business, and income protected. Avoid costly gaps by choosing coverage that meets legal, financial, and operational needs.

Coverage Limits

Ensure your policy meets both legal requirements and shipper/broker demands. Insufficient coverage can lead to compliance issues and lost contracts.

Deductibles

Balance between affordable premiums and realistic out-of-pocket costs. A lower premium may mean a higher deductible, so choose wisely.

Exclusions & Restrictions

Know exactly what’s covered—and what’s not—to avoid costly surprises when you need to file a claim.

Claims Process

Work with an insurer known for fast, hassle-free payouts to minimize downtime after an incident.

Specialized Needs

If you haul hazmat, oversized loads, reefer freight, or operate across borders, ensure your policy is tailored to those risks.

Financial Stability of the Insurer

Choose a company with a strong financial rating and a reputation for paying claims promptly, so you’re not left stranded when it matters most.

Types of Trucks We Insure

Semi Truck Insurance In Waco, Texas

Semi trucks are the backbone of the trucking industry, hauling freight across long distances. Whether you’re an owner-operator or manage a fleet, we provide coverage for liability, cargo, physical damage, and more to keep your business protected.

Box Truck Insurance In Waco, Texas

Box trucks are commonly used for local deliveries, moving services, and last-mile logistics. Our policies ensure coverage for property damage, cargo loss, and accident liability, keeping your operations running smoothly.

Flatbed Truck Insurance In Waco, Texas

Flatbed trucks transport oversized loads, construction materials, and heavy equipment. Because these loads are more exposed, the right insurance protects against cargo damage, load spills, and accidents.

Dump Truck Insurance In Waco, Texas

Dump trucks are essential for construction, excavation, and hauling materials like gravel, sand, and asphalt. Our coverage protects against vehicle damage, liability claims, and worksite accidents.

Tow Truck Insurance In Waco, Texas

Tow trucks require specialized coverage to protect both the towing vehicle and the cars being transported. Our insurance includes on-hook towing coverage, liability protection, and garage-keeper’s insurance for stored vehicles.

Refrigerated Truck Insurance In Waco, Texas

Refrigerated trucks, or reefers, transport perishable goods that require temperature control. Our policies cover reefer breakdown, cargo spoilage, and liability risks, ensuring you’re protected from costly losses.

Hotshot Truck Insurance In Waco, Texas

Hotshot trucks handle time-sensitive freight with smaller, more agile vehicles. Our policies protect against liability, equipment damage, and cargo loss.

Heavy Hauler Insurance In Waco, Texas

Heavy haulers transport oversized loads that exceed standard weight limits. Specialized insurance is crucial to cover high-value cargo and ensure compliance with safety regulations.

Tanker Truck Insurance In Waco, Texas

Tanker trucks haul liquids, chemicals, and hazardous materials, requiring specialized coverage for spills, environmental damage, and accident liability. Our policies ensure compliance with DOT and FMCSA regulations.

Logging Truck Insurance In Waco, Texas

Logging trucks operate in rugged terrain and transport heavy timber loads. We provide coverage for roadside hazards, cargo loss, and truck damage, keeping logging operators protected in high-risk environments.

Client Reviews on Google

★ ★ ★ ★ ★

“Rania does an awesome job and assisted me very well in a great quote. Thank you for making the process seamless!”

– Joe Bryant

★ ★ ★ ★ ★

“Agents are GREAT! Have worked with them for over 5 years, always have quick responses and understand your needs to provide the best products. Recommend them 100%.”

– Tanya Fortoul

★ ★ ★ ★ ★

“Scott has always been super helpful when it comes to explaining anything regarding our insurance policies. His response time is always precise—whenever we need anything, he is on it!”

– Melanie Gonzales

★ ★ ★ ★ ★

“The team here is great to work with. They are quick to respond to questions and problems and work with me to understand my needs and get my family the best value for my coverage. Even when my agent (Rania) is out, if I have a need, they cover each other and there is still no delay!”

– Tom Krawczyk

Why should you choose Heitmann Agency?

Here’s how we exceed your expectations with insurance solutions

We Love Truckers

Truckers are the lifeblood of America, and we’re here to keep that heartbeat strong. Just like your rig depends on a steady engine, your business depends on reliable insurance. We’re dedicated to protecting your livelihood with coverage that keeps you moving—mile after mile, load after load.

Driven by Trust

For over 20 years, truckers have trusted us to keep them covered on the road. We don’t just sell policies—we build relationships. With honest advice, fast claims, and tailored coverage, we make sure you’re protected every step of the way.

Keep Rolling with Confidence

Breakdowns, accidents, cargo losses—trucking comes with risks. The right insurance isn’t just a safety net, it’s your lifeline. We make sure you have the coverage you need, so no matter what happens, you keep rolling forward.

Commercial Truck Insurance in Waco, Texas

Texas – FAQs

Looking for commercial truck insurance in Texas? You’ve got questions—we’ve got answers! Here’s everything truckers, owner-operators, and fleet owners need to know about protecting their rigs, cargo, and business.

What kind of insurance do I need for my commercial truck in Waco?

In Texas, commercial truckers must have Primary Liability Insurance to operate legally. But that’s just the start. Most truckers also need Physical Damage Insurance to cover their truck, Motor Truck Cargo Insurance to protect their freight, and General Liability Insurance for business-related claims. Owner-operators who drive without a trailer may need Bobtail Insurance, while Non-Trucking Liability Insurance covers personal use of the truck. The right policy depends on whether you’re leased onto a carrier or running under your own authority.

How much does commercial truck insurance cost in Waco?

Insurance costs vary based on driving history, truck type, cargo, routes, and years in business. On average, an owner-operator with their own authority in Texas can expect to pay between $8,000 – $15,000 per year, while leased drivers often pay significantly less. Rates may also be affected by claims history and safety measures such as dash cams and telematics. For an exact quote, contact a specialized trucking insurance provider.

What are Texas’ commercial truck insurance requirements?

The FMCSA (Federal Motor Carrier Safety Administration) requires Texas truckers to carry at least $750,000 in liability coverage, but most brokers and shippers require at least $1 million. If you’re hauling cargo, many contracts require $100,000 in Motor Truck Cargo Insurance to cover freight losses. If you operate only within Texas, intrastate requirements may vary based on the type of cargo and the truck’s Gross Vehicle Weight (GVW).

Does commercial truck insurance in Waco cover cargo theft?

Cargo theft is a major issue in Texas, especially in high-risk areas like Houston and Dallas. Motor Truck Cargo Insurance covers theft in most cases, but policies have limits and exclusions. Some insurers may require additional security measures, such as parking in secured lots or using tracking devices, to qualify for full coverage. Always check policy details to ensure proper protection.

What’s the difference between Bobtail and Non-Trucking Liability Insurance?

Bobtail Insurance covers your truck when you’re driving without a trailer, even if you’re under dispatch. Non-Trucking Liability Insurance, on the other hand, applies when you’re using your truck for personal reasons and not under dispatch. Many leased owner-operators are required to carry one or both, depending on their lease agreement.

Do I need insurance for my trailer in Waco?

If you own your trailer, Physical Damage Insurance covers it in case of accidents, fire, theft, or vandalism. If you haul trailers owned by someone else, Trailer Interchange Insurance protects it while it’s in your care. Many freight contracts require this coverage, especially for trailer leasing agreements.

How can I lower my commercial truck insurance rates in Texas?

Truckers can reduce their insurance costs by maintaining a clean driving record, choosing safer routes, and installing telematics or dash cams to improve safety. Some insurers offer discounts for bundling coverages like liability, cargo, and physical damage. Owner-operators with at least three years of experience and a history of safe driving typically qualify for better rates. Working with an insurance provider that specializes in commercial truck insurance in Texas can also help secure the most competitive rates.

Does Waco Texas require trucking companies to carry workers’ compensation?

Texas does not require businesses to carry workers’ compensation, but many trucking companies opt for Occupational Accident Insurance as an alternative. This coverage helps pay for medical expenses and lost wages if a driver is injured on the job. Some contracts with freight brokers may require this coverage, so it’s essential to check policy terms.

What should I do if I get into an accident?

If you’re involved in an accident, the first priority is to check for injuries and call 911 if needed. After ensuring safety, document the scene by taking photos and gathering information from all parties involved. Reporting the incident to your insurance provider as soon as possible helps speed up the claims process. Having proper coverage ensures that repairs, liability claims, and lost income are handled efficiently so you can get back on the road.

How do I get a commercial truck insurance quote in Waco Texas?

Getting a quote is simple. Work with an insurance provider that specializes in commercial truck insurance in Texas to find the best coverage for your operation. Whether you’re an owner-operator, leased driver, or fleet owner, the right insurance ensures compliance, financial protection, and peace of mind.

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