Motor Truck Cargo Insurance in Texas

400+

Gave Insurance

350+

Satisfied Clients

90%

Success Rates

19

States Covered

Get Texas-Sized Coverage. Insure Your Freight and Keep Rolling Today

At Vatic Insurance, we understand the unique challenges of hauling freight across Texas—from busy interstates like I-35 and I-10 to rural delivery routes. That’s why we offer Texas motor truck cargo insurance tailored to the needs of owner-operators, fleets, and freight brokers. With fast support, customizable coverage, and expert trucking knowledge, we’re here to protect your business mile after mile. Whether you're hauling general freight, temperature-sensitive loads, or high-value cargo through Texas, our policies have you covered.

What Is Motor Truck Cargo Insurance?

Motor truck cargo insurance, also known as cargo coverage, protects the goods you transport from loss or damage. In Texas, where freight volumes are high and highway risks are real, cargo coverage is essential. Whether it's theft in Dallas, an accident near Houston, or fire damage in San Antonio, we help cover your losses and keep your business moving. Our policies meet broker and shipper requirements, offering reliable protection across Texas and beyond.

Who Needs Cargo Insurance in Texas?

You need cargo insurance in Texas if you:

Haul freight for-hire under a bill of lading
Operate a truck or fleet in cities like Houston, Austin, or El Paso
Transport local, regional, or cross-state loads
Carry general, refrigerated, or high-value cargo
Run a freight brokerage working with Texas-based carriers

Why Choose Vatic Insurance in Texas?

Instant Certificates

Need a certificate of insurance fast? We’ve got you covered in minutes

Trucking Specialists

We focus only on trucking—no generic coverage.

Customized Quotes

No generic forms. We match coverage to your routes, cargo, and needs.

Licensed Nationwide

We tailor each policy based on your Texas routes, cargo types, and risk profile.

Trusted by Top Insurance Providers in the Nation

We work with the most respected names in insurance to offer you the best coverage options at competitive rates.

What Impacts Cargo Insurance Cost in Texas?

Your premium is based on:

Type and value of your freight
Whether you haul intrastate or interstate
Safety records of your Texas-based drivers
History of claims and losses
Coverage limits and deductible choices
Optional add-ons like reefer breakdown

Industries & Freight We Cover in Texas

We insure a wide variety of cargo for Texas operators, including:

General freight & manufactured goods

Food, beverages & perishable items

Electronics and consumer goods

Hotshot and expedited loads

Electronics, auto parts & consumer goods

Final mile and local delivery cargo

Texas Motor Truck Cargo Insurance FAQs

Not by state law, but most Texas brokers and shippers won’t assign loads without proof of cargo insurance.

It depends on your hauls. In Texas, most carriers choose between $100,000 to $250,000 in coverage.

Yes, we offer optional reefer coverage for temperature-sensitive loads transported across Texas.

Absolutely. Most of our Texas clients get fully insured within a few hours.

Our Testimonials

What our clients say about
Vatic Insurance

Harman Kaler

Vatic Insurance Group PLLC has been excellent. They provided very competitive quotes, making them a clear choice. The ease with which we can obtain Certificates of Insurance (COIs) significantly streamlines our operations. We've consistently found their team, especially Harpreet who provided exceptional help, to be highly responsive and professional. For reliable service and great support in the commercial insurance space, Vatic Insurance Group is top-notch. Highly recommended!

Cortez Robinson

My agent “SOPHIE”, totally awesome and her boss Alex is a genuine man. These two individuals made sure I was taken well care with my insurance for my company. I highly recommend them to anyone who needs insurance they will go out to their way to fully fulfill your insurance needs. They make it easy and simple and they are super knowledgeable and reliable. Let’s go VATIC INSURANCE GROUP.💯🚛💨💯

Slaton Trucking

We were randomly looking for insurance quotes and stumbled upon Vatic ins, we were dealt by agent 'Aria' She helped us all the way and got us the best ins quote comparative to our previous producer and other ins agencies, and She made sure that we are getting those quotes only from A+ rated companies only, which was our priority and finally we were dealt in a manner which convinced us to buy the ins, everything was as it is Aria told us. I vouch for Vatic and specially Aria she's patient, diligent and very helpful.

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