Primary Liability Insurance for TX box truck owner-operators.
Pays for bodily injury and property damage you cause to others while operating under your authority.
Rate band pending
We have not yet extracted a public Texas Department of Insurance filing for primary liability on box truck operators in Texas. The carriers writing the line are listed below; the band will publish here once a filing is reviewed.
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Carriers writing in TX
5 carriers we expect to quote this risk in Texas.
AM Best ratings shown below were verified directly. Whether a specific carrier currently has open appetite for your operation is the producer's call at submission.
Progressive Commercial
The Progressive Corporation
Largest commercial-auto insurer in the US by direct premium written. Owner-operator and small-fleet focused.
A+ (Superior)Great West Casualty
Old Republic International
Long-tenured trucking specialist; conservative underwriting, emphasis on loss-control services.
A+ (Superior)Canal Insurance
Canal Holdings
Trucking specialty since 1939; non-standard risks accepted.
A- (Excellent)Northland Insurance
Travelers Companies
Travelers' commercial trucking specialty unit.
A++ (Superior)Sentry Insurance
Sentry Insurance Group
Mutual carrier with deep trucking specialization; favors larger fleets and established carriers.
A+ (Superior)AM Best ratings change. Dispatched displays the rating only when verified against ambest.com and stamped with the verification date in our data layer. Pending entries reflect that we have not completed verification — not that the carrier's rating is missing or weak.
Editorial
Primary liability for box truck operators in Texas
Box truck operations in Texas (Class 3-6 straight trucks with enclosed cargo bodies, typically 10,001-26,000 lbs GVWR) sit in a different segment of the commercial-auto market than Class 8 long-haul. Most Texas box truck primary liability is written through the same commercial-auto carriers as Class 8 — Progressive Commercial, Sentry, Great West — but the underwriting profile is materially different: shorter average radius, lower overall VMT, smaller exposure per power unit, and a different mix of routing risks.
Texas box truck operations concentrate in metropolitan delivery (Dallas-Fort Worth, Houston, Austin, San Antonio), with last-mile, household goods, and small-package routes accounting for the majority of risk. Collision frequency in metro Texas is elevated relative to highway long-haul, but severity is materially lower because box truck combinations are physically smaller and operate at lower average speeds. The rate per dollar of revenue is typically lower for box truck risks than for Class 8 — but the dollar premium per vehicle is also lower because exposure is lower.
HB 19 (2021) trial-structure reforms apply to box truck risks the same as Class 8, but the favorable rate effect is most visible on the long-haul book. For box truck risks already pricing well in the standard market, HB 19's effect on premium is muted. SLTX-channel surplus-lines placement is unusual for box truck operations under MC authority — most box truck risks place admitted.
We have not yet extracted a public Texas Department of Insurance filing for primary liability on box truck risks. The rate band will publish once a filing is reviewed.
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.