General Liability for Texas commercial trucking operators.
Covers premises liability, completed operations, and non-trucking-related injury claims.
Rate band pending. We have not yet extracted a public rate filing from Texas Department of Insurance for gl in Texas. We will publish a sourced premium band on this page once the filing is reviewed by an expert reviewer. Carrier listings below are unaffected; they are sourced from the carriers' own appointment and license footprints.
Top carriers for gl in Texas
| Carrier | Parent group | AM Best | Notes |
|---|---|---|---|
| Progressive Commercial | The Progressive Corporation | A+ (Superior) (verified 2026-04-27) | Largest commercial-auto insurer in the US by direct premium written. Owner-operator and small-fleet focused. |
| Great West Casualty | Old Republic International | A+ (Superior) (verified 2026-04-27) | Long-tenured trucking specialist; conservative underwriting, emphasis on loss-control services. |
| Canal Insurance | Canal Holdings | A- (Excellent) (verified 2026-04-27) | Trucking specialty since 1939; non-standard risks accepted. |
| Northland Insurance | Travelers Companies | A++ (Superior) (verified 2026-04-27) | Travelers' commercial trucking specialty unit. |
| Sentry Insurance | Sentry Insurance Group | A+ (Superior) (verified 2026-04-27) | Mutual carrier with deep trucking specialization; favors larger fleets and established carriers. |
AM Best ratings are populated only when verified against ambest.com. Pending entries reflect that we have not completed verification, not that the carrier's rating is missing or weak.
What drives general liability premiums for Texas trucking operations
General liability (GL) for commercial trucking covers premises liability, completed operations, and non-trucking-related injury claims — exposures that fall outside the scope of primary liability (which is vehicle-operation specific). For Texas owner-operators and small fleets, GL is typically required by terminal access agreements, broker contracts, and shipper master agreements, with $1M-per-occurrence limits being the prevailing standard.
Texas premises liability is governed by chapter 75 of the Texas Civil Practice and Remedies Code, which applies a duty-of-care framework distinct from the post-HB 19 commercial-vehicle reforms. HB 19 specifically addresses commercial-vehicle direct-negligence trials and does not apply to GL premises claims. The practical implication: GL rates in Texas have not moved with HB 19, and the rate environment remains stable rather than easing.
GL exposure for Texas trucking operations concentrates in three areas: terminal premises (loading docks, parking yards, fuel islands), completed operations (claims arising from cargo handling that doesn't fall under cargo coverage), and non-trucking activities at premises owned or leased by the operator. Texas operators with multiple terminal locations or shared facilities face elevated GL underwriting scrutiny.
We have not yet extracted a public Texas Department of Insurance filing for general liability on commercial trucking risks. The carrier table reflects carriers writing the line; the rate band will publish once a filing is reviewed.
Sources
Reviewer attestation pending. The editorial body above is sourced but has not yet been signed off by a credentialed reviewer.
Texas-specific rules that move premium
Texas caps non-economic damages in healthcare cases under Tex. Civ. Prac. & Rem. Code Ch. 74 and has additional commercial-vehicle reform under HB 19 (2021), which raises the bar for direct negligence claims against motor carriers.
Surplus lines placements in Texas are filed through the Surplus Lines Stamping Office of Texas (SLTX); a 4.85% premium tax applies in addition to the SLTX stamping fee.
FMCSA jurisdiction: FMCSA Southern Service Center (Fort Worth).
State regulator: Texas Department of Insurance.
GL for specific DOT classes in Texas
Deep pages cover the operator profile, sampling assumptions, and rate band for a single product × state × DOT class. We publish deep pages only after the editorial body and reviewer attestation are complete.
Dispatched is a comparison and matching platform. In Texas, coverage is placed by licensed producers and bound by carriers appointed in TX; Dispatched does not bind coverage. Where we accept your contact information for a quote, that consent will be one-to-one with the named producer partner identified at submission.