Commercial Truck Insurance for Hotshots, Box Trucks & Semis

Two white semi-trucks parked side by side.

Semi Trucks & Owner-Operators

Tractor-trailers, dry van, reefer, flatbed, tanker and intermodal. Single-truck owner-operators to multi-unit fleets, local and long-haul, leased on or running under your own DOT authority. Primary liability, physical damage, motor truck cargo, non-trucking liability and trailer interchange, written by an agency that has run trucks itself.

Truck towing a trailer with large equipment outdoors.

Hotshot Trucking

Pickups pulling gooseneck and bumper-pull trailers under DOT authority: 1-ton and 1.5-ton dually setups, 40-foot goosenecks, equipment and oversize loads. We write hotshot liability, physical damage on the truck and trailer, and cargo limits that match what brokers actually require, so you can get loaded the day your authority goes active.

Red box truck parked next to a white truck.

Box Trucks & Local Fleets

Straight trucks and box trucks for expedited freight, last-mile delivery, moving and Amazon Relay. Plus tow trucks, dump trucks, and the work fleets that keep DFW running: contractors, plumbers, landscapers and funeral homes. Liability, physical damage, cargo, on-hook and garage keepers, with hired and non-owned auto when you need it.

Coverages We Write for Truckers

Primary Auto Liability

The FMCSA-required coverage for bodily injury and property damage to others. $750,000 to $1,000,000 limits, with MCS-90 and BMC-91 filings handled for you.

Physical Damage

Primary Auto Liability

Collision and comprehensive on your tractor, truck and trailer. Protects the equipment you still owe on, satisfies your lender, and gets you rolling again after a wreck, theft, fire or hail.

Motor Truck Cargo

Primary Auto Liability

Non-Trucking Liability & Bobtail

Covers the freight you haul if it is damaged, stolen or lost in transit. $100,000 is the standard broker requirement; we write higher limits and reefer breakdown for temperature-controlled loads.

Non-Trucking Liability & Bobtail

General Liability & Trailer Interchange

Non-Trucking Liability & Bobtail

For owner-operators leased to a motor carrier. Covers you when you are off dispatch, running bobtail or deadheading home, when the carrier's policy does not.

General Liability & Trailer Interchange

General liability for what happens off the truck, at the dock, in the yard or at a customer site. Trailer interchange for trailers you pull but do not own. Both are common shipper and broker requirements.

Occupational Accident & Workers' Comp

General Liability & Trailer Interchange

Occupational accident for independent contractors and owner-operators, and workers' compensation for fleets with employee drivers. Pays medical and lost wages when a driver gets hurt on the job.

Why Truckers Choose Wilson

Top 25 in the Nation

50+ Carriers, 38 States

Top 25 in the Nation

Ranked a Top 25 commercial truck insurance agency in the United States by Progressive, with top-tier partner status at GEICO. Volume gets our clients priority underwriting and pricing.

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We Ran Trucks Too

50+ Carriers, 38 States

Top 25 in the Nation

Our founder opened the agency in 2010, then started Wilson Trucking in 2013 and ran a 24-truck fleet until selling it in 2022. We know what a broker packet needs, what a DOT audit looks for, and what a week of downtime costs you.

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50+ Carriers, 38 States

50+ carriers means you could make 50+ calls to shop your rate, or make one call and let us do the hard work. Progressive, GEICO and dozens more, licensed in 38 states so your coverage follows your lanes.

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Commercial Truck Insurance FAQ

Straight answers to the questions we hear most from owner-operators and fleet owners. Don't see yours? Call 972-224-0113 and talk to a licensed agent, not a call center.

How much does commercial truck insurance cost?

It depends on your truck type, radius, cargo, driving record, years of authority and the coverages you need. A hotshot or box truck under new authority typically runs less than a semi, and rates drop meaningfully once you have a year or two of clean history. Because we quote through 50+ carriers, we can show you the real range for your operation in about 15 minutes.

I just got my DOT authority. How fast can I be insured?

Usually same day. Send us your MC/DOT number, driver's license, VIN and a few details about what you haul, and we can bind coverage and submit your BMC-91 and MCS-90 filings to the FMCSA so your authority goes active. New-authority trucking is a specialty of ours, not an exception.

What do brokers and shippers require before they'll load me?

Most want $1,000,000 in auto liability, $100,000 in cargo, and a certificate of insurance naming them as a certificate holder. Some add general liability, reefer breakdown or trailer interchange. We issue certificates the same day you ask, and we'll tell you up front if a broker's requirement is going to cost you more than the load is worth.