Occupational Accident for Texas commercial trucking operators.
Provides medical, disability, and accidental-death coverage for owner-operators not eligible for workers' compensation.
Rate band pending. We have not yet extracted a public rate filing from Texas Department of Insurance for occ-acc 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 occ-acc 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 occupational-accident premiums in Texas
Occupational-accident (occ-acc) coverage provides medical, disability, and accidental-death coverage for owner-operators who are classified as 1099 contractors and therefore excluded from workers' compensation. In Texas, where workers' comp is non-mandatory for private employers, occ-acc fills a critical gap for owner-operators leased onto motor carriers under independent-contractor agreements. Most Texas carrier lease agreements require the leased-on operator to carry occ-acc as a condition of the lease.
Two Texas-specific factors shape the occ-acc rate environment. First, Texas is one of the few states that does not mandate workers' compensation for private-sector employers, so the share of Texas trucking workforce covered by occ-acc rather than WC is materially higher than in mandatory-WC states. Second, Texas commercial-trucking activity concentrates in long-haul Class 8 operation, which carries higher injury severity than local-delivery box truck or hot-shot operations; occ-acc rate filings reflect this in their classification factors.
Coverage limits for owner-operator occ-acc in Texas typically run $500,000 medical / $250,000 accidental death / 70% of average weekly earnings disability — roughly the limits required by the dominant Texas-domiciled motor carriers' lease agreements. Higher limits are available; lower limits below the carriers' lease floor would not satisfy the lease.
We have not yet extracted a public Texas Department of Insurance filing for occupational-accident coverage on owner-operators. 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.
Occ-Acc 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.