Commercial Trucking Insurance in San Antonio
Why Do I Need Commercial Truck Insurance?
Operating commercial trucks demands comprehensive insurance to mitigate risks and liabilities. VOS Insurance Agency specializes in safeguarding San Antonio’s truck owners with policies that reflect an in-depth understanding of local trucking insurance laws and DOT regulations. Our goal is to provide the protection and confidence needed to run your trucking operations smoothly.
Commercial truck insurance is crucial, offering liability protection and additional coverages to minimize financial losses from unexpected incidents. Our coverage caters to a broad spectrum of commercial vehicles, ensuring your business is protected, regardless of the truck type you operate. This includes:
- Box trucks
- Dump trucks
- Tractor-trailers
- 18-wheelers
- Flatbed trucks
- Tow trucks
- Garbage trucks
- Auto trailers
So, Do I need commercial trucking insurance?
With VOS Insurance Agency, you’re choosing a partner that understands your business’s unique needs. We provide tailored insurance solutions to ensure your fleet is fully covered, aligning with both legal requirements and your specific operational needs. Trust us to equip your trucking business with the right insurance protection, fostering stability and growth.
Coverage Limits
The amount of coverage San Antonio commercial truck owners need depends on a number of factors, including the type, size, and number of trucks you need to cover. Some truck insurance companies require truckers purchase a minimum of $100,000 of insurance, with recommended coverage of up to $1 million. Your VOS Insurance professional can help you determine your coverage needs.
Who We Insure: Truckers & Operations We Serve
At VOS Insurance, we partner with Texas truckers across a wide range of operations—from single owner-operators running local routes to multi-vehicle commercial fleets hauling freight throughout the state. As an independent agency, we match each trucking business with insurance carriers that understand your specific risk profile, regulatory needs, and budget.
VOS Insures Truckers Involved In:
Owner-Operators (with or without authority): Ideal for drivers operating independently, leased-on, or working under contract.
Local & Regional Haulers, including last-mile delivery, construction routes, and short-radius commercial hauling.
Interstate / Long-Haul Truckers: For operations traveling across state lines, with guidance on FMCSA requirements.
Hotshot & Expedited Freight Carriers, including pickup-based haulers, goosenecks, and flatbed hotshot operations.
Commercial Fleets (Small to Mid-Size): Businesses managing multiple trucks, trailers, or mixed-use vehicles.
Specialty Freight Carriers such as auto haulers, refrigerated freight, and tow/transport services.
Contractors & Trades Using Commercial Trucks: Landscapers, plumbers, electricians, roofers, and service/utility truck operators.
No matter if you’re hauling general freight, construction materials, produce, machinery, or vehicles, VOS works to secure trucking insurance tailored to how you operate. And we do so at the right liability limits and coverage levels required by Texas and federal regulations.
What We Insure: Types of Trucks Covered
Our San Antonio commercial trucking insurance solutions extend to a wide range of commercial vehicles used in freight, delivery, construction, and service industries. VOS can insure your business whether you rely on a truck to haul, deliver, tow, or transport cargo.
Common Truck Types We Cover:
Tractor-Trailers / Semi-Trucks / 18-Wheelers: For long-haul and regional operations pulling dry vans, flatbeds, reefers, and more.
Box Trucks / Straight Trucks: Ideal for delivery companies, retailers, moving companies, and couriers.
Dump Trucks & End Dump Trucks: Used for construction, aggregates, dirt, sand, gravel, demolition materials, and bulk loads.
Flatbed Trucks: Hauling lumber, equipment, machinery, fabrication materials, and oversized cargo.
Tow Trucks / Rollbacks / Recovery Vehicles: For towing services, repair shops, and roadside assistance providers.
Refrigerated / Reefer Trucks: Transporting perishable goods or temperature-sensitive products.
Auto Haulers & Car Carriers: Open and enclosed carriers delivering vehicles statewide or across state lines.
Service & Utility Trucks: Mechanic trucks, boom trucks, bucket trucks, and contractor rigs.
Hotshot Trucks (Pickup + Trailer): Gooseneck, dovetail, tilt, and flatbed configurations.
Garbage Trucks & Specialty Commercial Vehicles: Municipal, private waste, recycling, and sanitation operations.
If your business operates a truck not listed here, VOS can likely insure that too. Just ask our team to be sure! As an independent agency, we have access to multiple carriers specializing in diverse commercial truck classes.
Types of Insurance We Offer
Trucking Liability Insurance in San Antonio
If your commercial truck is involved in an accident in San Antonio or elsewhere, it could cause significant damage to others on or off the road. Your truck could be involved in an accident, damage a loading dock, or even cause environmental damage. It is important to understand your potential risks and purchase sufficient insurance protection to mitigate those risks.
An auto liability policy designed specifically for commercial trucks can protect you against the financial risk that could come from unintentionally harming other people and their property.
Physical Damage
Physical damage coverage for a commercial truck in San Antonio is similar to comprehensive and collision coverages for your personal auto. If your truck needs repairs after an accident, stolen, vandalized, or otherwise damaged, your physical damage coverage protects your bottom line.
Cargo Insurance
It’s important to insure your commercial truck in San Antonio, but it’s also important to insure the cargo you’re carrying. Cargo insurance does just that, helping protect you from having to pay for lost or damaged cargo out of pocket. Most truckers don’t own the cargo they are transporting. Truckers are usually required to purchase a minimum of $50,000 in cargo insurance, with recommended coverage of up to $100,000.
Non-Trucking Liability
Non-trucking liability coverage, sometimes incorrectly referred to as “bobtail” insurance, provides insurance coverage when you use your truck for non-business related activities. For example, going to the movies, picking up groceries, attending sporting events, or visiting friends would all be covered activities.
Trailer Interchange
San Antonio commercial truck owners often enter into trailer interchange agreements with other carriers, to haul other carriers’ trailers. If you are responsible for damage to another carrier’s trailer, your trailer interchange insurance covers your legal liability.
Uninsured Motorist Insurance
Unfortunately, there are vehicles on San Antonio-area roadways that are uninsured or underinsured. Uninsured motorist coverage can protect you if your commercial truck is involved in an accident where the at-fault driver either doesn’t have any insurance or has inadequate insurance coverage.
Medical Payments Insurance
If your San Antonio commercial truck is involved in an accident or incident that injured others or where death is involved, commercial truck medical payments coverage pays for medical expenses that are reasonable and necessary, as well as paying funeral costs for people who lost their lives as the result of the accident.
Owner-Operator Truck Insurance
Whether you are under a lease with another motor carrier or operate your San Antonio commercial truck under your own authority, you need the types of commercial trucking insurance described above.
If your truck is subject to a permanent lease arrangement with another carrier, that carrier likely provides some insurance coverage. However, such insurance is generally designed to protect the other carrier from third-party liability, not to protect you. Purchasing non-trucking liability insurance coverage can close the gap in coverage between you and the carrier’s insurance.
Owner-Operator Insurance Requirements
If you are operating your San Antonio commercial trucking business independently, Federal law requires you to purchase commercial auto liability coverage of at least $750,000. The state of Texas also mandates minimum amounts of insurance coverage. Truckers and trucking companies are responsible for making sure they meet minimum requirements.
Do You Have the Commercial Trucking Insurance You Need? VOS Insurance Agency Can Help!
Commercial Trucking Insurance FAQ
Texas requires commercial auto liability for all business-use trucks.
If you haul across state lines, FMCSA mandates liability limits beginning at $750,000 and ranging up to $5 million depending on cargo type. VOS helps you determine the correct limits based on your operation.
If you haul any cargo for compensation, cargo insurance is strongly recommended and may be required by shippers, brokers, or contracts. It protects you against loss, theft, and damage to the freight you’re hauling.
Insurance premiums are typically based on truck type and weight, driver history and experience, operating radius (local, regional, interstate), type of cargo hauled, safety record and compliance, and number of trucks in your business. VOS shops rates across multiple carriers to find cost-effective options.
Yes. We frequently help new authorities, new DOT numbers, and first-time owner-operators secure coverage that meets regulatory requirements and broker expectations.
Yes. We can provide: primary liability, on-trucking liability / bobtail, physical damage, and trailer interchange depending on your lease agreement and dispatch arrangements.
Absolutely. Hotshot trucking is one of our most popular segments. We insure pickups, gooseneck trailers, flatbeds, dovetails, and other hotshot configurations.
Yes. When required by your operation, we work with carriers who provide MCS-90, state filings, and other compliance documents to get you operating legally.
Both. We serve one-truck owner-operators, small fleets, and growing multi-truck operations.
Some higher-risk equipment (e.g., auto haulers, dump trucks, hazmat carriers) may require specific carriers. VOS works with multiple insurers to place even specialized or hard-to-write risks.
In most cases, VOS can provide quotes the same day and issue COIs within minutes once your policy is active.
