Commercial trucking protection
Trucking Insurance That Keeps Your Business Moving
Coverage for owner-operators, fleets, new authorities, hotshot drivers, CDL drivers, and local or over-the-road operations. La Paz Insurance Agency helps trucking businesses in Florida, Texas, and Indiana compare the protection their contracts and operations may require.
Core trucking coverages
Match the policy to the way you haul
Trucking risks change with the vehicle, cargo, operating radius, contracts, drivers, and authority. We review your operation and help compare available limits, deductibles, and carrier options.
Primary Auto Liability
Liability protection for covered bodily injury and property damage arising from an insured commercial vehicle. Required limits depend on the operation, authority, vehicle, cargo, and applicable rules.
Physical Damage
Comprehensive and collision protection may help repair or replace a covered tractor, truck, or other scheduled vehicle after a covered loss.
Motor Truck Cargo
May cover eligible cargo in your care, custody, or control. Limits, commodities, refrigeration breakdown, exclusions, and contract requirements should be reviewed carefully.
Non-Trucking & Bobtail
Coverage may be available for certain non-business use or operation without a trailer, depending on your lease agreement and how the vehicle is used.
General Liability
May address certain third-party bodily injury, property damage, and operational exposures not arising from driving a covered vehicle.
Trailer Interchange
May protect non-owned trailers in your possession under a written trailer interchange agreement, subject to selected limits and policy terms.
More ways to protect the operation
Optional and specialized coverage
Your needs may extend beyond the truck itself. Availability varies by carrier, state, vehicle, and business details.
Workers’ Compensation
Protection for eligible work-related employee injuries, based on state requirements and your business structure.
Dump Truck Insurance
Options for eligible dump trucks, hauling operations, construction use, and associated liability exposures.
Towing & Roadside
Eligible towing, roadside assistance, and downtime-related options may be available.
Rental Reimbursement
May help with eligible rental expense after a covered physical-damage loss, subject to daily and maximum limits.
Gap or Loan/Lease Options
May help address a difference between a covered vehicle’s value and an eligible loan or lease balance.
Income Protection Options
Certain products may help with lost income after a covered loss. Terms and availability vary.
Who we help
From a first truck to a growing fleet
We organize the information carriers need, help you understand coverage requirements, and compare available options without treating every trucking business the same.
Owner-Operators
Coverage aligned with your equipment, lease agreement, contracts, cargo, and operating radius.
New Authorities
Guidance on coverage and required filings as you prepare to operate under your own authority. The insurance carrier submits applicable filings to the proper agency.
Fleets
Solutions for multiple power units and drivers, with attention to schedules, safety practices, claims history, and growth.
Hotshot Drivers
Coverage options for eligible pickup-and-trailer combinations, commodities, radius, and contract needs.
Local & Regional
Policies for delivery, construction, service, dump, and other eligible local or regional operations.
Over-the-Road
Protection designed around long-haul routes, cargo exposures, driver schedules, and interstate operations.
Get quote-ready
Information that helps us shop your trucking insurance
Accurate details help carriers evaluate your operation and can reduce delays.
Business & Authority
Business name, garaging address, years in business, DOT/MC information when applicable, operating radius, and types of contracts.
Vehicles & Drivers
Vehicle identification numbers, year/make/model, stated values, driver license information, experience, and motor vehicle records.
Cargo & Operations
Commodities hauled, maximum load value, trailer details, annual mileage, routes, and prior insurance or loss history.
Regional trucking service
Trucking insurance in Florida, Texas, and Indiana
We serve independent drivers and transportation businesses across three states, with local attention and remote service by phone, text, and WhatsApp.
Florida
Palm Beach County, Lantana, West Palm Beach, Lake Worth Beach, Boynton Beach, Delray Beach, Boca Raton, Wellington, Palm Beach Gardens, Jupiter, Fort Lauderdale, Miami, Orlando, Tampa, Jacksonville, and nearby areas.
Texas
Houston, Dallas–Fort Worth, Austin, San Antonio, Fort Worth, El Paso, and surrounding Texas communities.
Indiana
Indianapolis, Fort Wayne, South Bend, Evansville, Gary, Bloomington, and surrounding Indiana communities.
Frequently asked questions
Trucking insurance questions
What trucking insurance do I need for a new authority?
Requirements depend on the authority, vehicle, operation, cargo, and contracts. Primary auto liability and required regulatory filings are common starting points; cargo and other protection may also be needed.
Is motor truck cargo insurance required?
Federal cargo requirements apply to certain operations, and shippers or brokers may require coverage by contract even when it is not federally required. Review your specific authority and contracts.
What is the difference between bobtail and non-trucking liability?
The terms are sometimes used loosely, but coverage triggers can differ. The correct option depends on whether the truck is dispatched, under load, used for business, or being used personally. Review the exact policy wording.
Can you insure hotshot trucking?
Eligible hotshot operations may qualify. Carriers consider the truck and trailer, cargo, radius, driver experience, authority, contracts, and prior coverage.
Can a trucking policy include several trucks and drivers?
Yes. Eligible fleets can schedule multiple vehicles and drivers, with coverage tailored to the operation and available carrier rules.
Ready to move your trucking business forward?
Send the details of your operation and let us compare available commercial trucking insurance options.
La Paz Insurance Agency, LLC • Agency License L128751. Coverage availability, eligibility, filings, limits, exclusions, and pricing vary by carrier, operation, vehicle, cargo, contracts, and state. This page provides general information only and does not modify any policy or establish compliance with regulatory requirements. Coverage is not bound until the application is completed, approved by the carrier, and any required premium is received.