Dump Truck Insurance – What You Can Do as an Owner/Operator

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Statistics show that accidents involving big trucks are on the rise. Between driver fatigue, cell phone distraction, bad driving habits or lack of training, perils are plenty in supply. This doesn’t just account for drivers of big trucks, but also the smaller vehicles who share the road with you. What can you do as an owner/operator of a dump truck in Texas to protect your business? Texas Commercial Insurance is here to be your support as you seek to cover all the bases of insuring your dump truck. We specialize in insuring big trucks, so if you want to know that you won’t be left high and dry due to lack of coverage, we can customize the best policy for you.

What do we look at when deciding what type of coverage you need? Variables include what type of dump truck you own, how old it is, and its condition and weight. We also consider your driving record and your credit. Beyond that, the type of jobs you do and how far you haul will affect which type of coverage fits you best.

Driving the roads of Texas with massive loads of sand, gravel, dirt, and asphalt holds great responsibility for operators of big trucks. The chances that a collision with another vehicle will end in a fatality or at least a totaled car are extremely high. Also high is the chance that you could face an expensive lawsuit. Having good coverage is a must for your business. There may be some coverage choices that you are not aware of. Here are a few you may want to discuss with an agent:

Non-Trucking Coverage is a good choice for your truck if you plan to use it for personal purposes. Commercial coverage may not extend to some personal use.

Environmental Coverage is needed if you will be hauling any loads which could cause pollution in the case of a spill or rollover. This would pay for clean-up and restoration of the area affected.

Motor Truck Cargo Insurance may be required by some clients if they want the load you carry to be insured.

These are just a few examples of the optional coverages available to you as an owner/operator of a dump truck. We can go over your specific needs if you call to discuss these and other options with us.

Just remember, besides purchasing an insurance policy for your truck, developing safe habits and keeping a clean driving record will go a long way at keeping a multitude of perils at bay. Inspecting your vehicle regularly, taking care to avoid exceeding your truck’s payload, keeping mirrors and lights clean, and developing general safety habits will benefit you greatly. Don’t become one of the statistics.

Give Texas Commercial Insurance a call today to go over your options. We specialize in insuring small business owners, dump truck operators, and other big truck drivers. We can get you the best coverage for you and your truck.


Why Do I Need a BOP?

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Do you own a small to medium-sized business in Texas? If so, Texas Commercial Insurance is the perfect choice for your insurance needs! We specialize in quotes for Business Owners Policies, or BOPs, and can help you customize the perfect policy for your business. Why do you need a BOP? Check out the experiences of Grady and Vern and learn from some of the hazards they faced.

Vern inherited a small laundromat from his uncle. It was near a busy shopping area in San Antonio, and generally had plenty of steady business.

Vern worked hard to get the place updated and got the business end of things put into good order. He found a local insurance agency to help him customize a business owners policy that fit the needs of his very public place of business. It wasn’t long after Vern took over the laundromat that he faced a potentially bad situation. One of the regular customers tripped in the doorway and fell while holding a large basket of laundry. Her wrist was badly broken, causing her to rack up lots of medical bills, as well as months of lost income. If it weren’t for Vern’s foresight in setting up a good business owners policy, that accident could have ruined him. As it was, Vern’s insurance kicked in and took care of his customer’s expenses.

Grady’s story is similar. He took over a computer repair shop that his dad had managed for many years. It was located in a small office building in Fort Worth, Texas. Grady knew his dad hadn’t been the savviest of businessmen, but the repair shop had done well enough. There was a sticky situation one day when Grady discovered his shop was broken into. Several laptops had been stolen, along with some boxes of parts that were recently delivered. Unfortunately, he hadn’t gotten any type of insurance set up after he took over the shop from his dad. Grady had to pay for the replacements out of his own pocket, and it set him back for a long time. The first thing he did after that incident was to set up a BOP for his shop, ensuring that he would be covered from possible future threats. It had been a painful lesson to learn, but he realized it could have been much worse.

If you are a business owner, having your own BOP is a must. It doesn’t matter how well things have gone for you in the past, the future is never guaranteed. Risks and perils are constant companions when it comes to any type of business. Each business holds its own unique insurance needs. Give Texas Commercial Insurance a call today, and let us walk you through some of the options available. We can help you customize a policy that will fit the specific needs of your particular business.


Considering Commercial Auto Insurance?

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Are you curious about commercial auto insurance, wondering if it is something you should consider for your business? You already have your Business Owners Policy and think you are set as far as insurance goes, but let’s say you have a small car set aside for running all those errands that seem to build up throughout the week. You use it for getting parts for your machinery, running to the office supply store, delivering packages to the post office, and countless other needs that arise.

One afternoon you send an employee to the local hardware store to grab some painters tape for a project you started in the office. As your employee leaves the store, he accidentally backs into another car that just pulled up behind him. The collision caused damage to both vehicles, and within days your company faces a lawsuit from the other driver. She is claiming neck pain from whiplash, medical bills, and loss of wages due to pain and suffering.

This type of scenario happens far too often, and many business owners don’t realize that their personal auto coverage may not cover accidents that occur while using their vehicle for business purposes. If you use any vehicles for your business, you will want to ask your agent about how commercial auto insurance could protect you.

Here are some of the ways this coverage works:

Liability Coverage

Should you cause an accident that results in property damage or bodily injury, liability coverage will help pay for repairs, replacement, or medical fees. It can also help pay for legal expenses such as attorney fees and settlement costs, up to your policy’s limits.

Medical Payment Coverage

Regardless of who is at fault, medical payment coverage helps with the costs that result due to injuries that happen to you and/or your passengers during an accident.

Uninsured Motorist Coverage

If you are involved in an accident with someone who does not have auto insurance, this coverage will protect you from costly medical bills and vehicle repairs.

Physical Damage and Collision Coverage

Hitting a telephone pole, rolling your vehicle after you fall asleep at the wheel, hitting a deer, vandalism, and theft are all reasons why this coverage is a good choice. This covers many perils that don’t include a collision with another car.

These are just a few of the ways commercial auto insurance can protect your business. We have agents ready to help you find the right policy for your company. Give us a call to go over your individual needs so we can customize the perfect policy for you.


Truck Inspections – How to Improve Your Scores

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Annual DOT truck inspections may be stress-worthy, but here is a list of ideas to help you get off on the right foot with your inspectors.

First Impressions

The attitude and habits of the driver are the first thing the inspectors will notice as they begin their job. Having a polite and cooperative demeanor will go a long way, as well as tidy habits inside your cab. A messy, dirty cab will make for a bad start to your inspection, but a clean and orderly space with documents neatly in order, will go a long way to making that first impression a good one. The state of your cab will definitely reflect on the other parts of your truck, and having your documents clear and in order will make the rest of your inspection go much more smoothly.


Here is a list of just some of the documents you will be required to show your inspector:

  • Liability coverage
  • MCS-90 or MCS-82 form counter signed by your insurance provider
  • Accident register
  • Employee training records

You will also need to have the vehicle markings in their prominent places. This includes the carrier’s legal name and the DOT assigned number, clearly appearing on both sides of every commercial vehicle.


Each driver must have a commercial driver’s license (CDL) and endorsements in line with their vehicle class. Carriers need to have proof of drug and alcohol tests for each of their employees. This includes pre-employment, post-accident, and random drug and alcohol testing.

It is the carrier’s responsibility to make sure to have complete records for each driver, recording daily start and stop times, on duty hours, etc.


Here are a few things that can tend to be overlooked before your inspection, yet are easy to double check: 

Your seat belts will need to be in good working order. A quick look to check the condition of the driver’s and passenger’s belts is well worth your time. 

An emergency kit, well stocked with spare fuses and circuit breakers, warning hazard triangles and fire extinguisher should be in place. Check the condition of all the parts of your kit to be sure they are clean and functional. 

Clean or replace dirty and weathered reflectors and reflective strips. You may have checked all of your lights, but the reflectors are an important part of your vehicle’s safety features, as well.

Wheel fasteners are one of the common problems cited during inspections. Check the condition of your lug nuts as an extra precaution.

This is just a short reminder of a few things you can do to improve your results during annual DOT truck inspections. We would be glad to discuss more specific details with you to make sure you have the best chance of passing your inspection with flying colors. It is one of the major factors in getting insurance coverage and we want to help increase your chances of keeping your vehicles in service, and your business running as smoothly as possible. Give us a call!


5 driving tips to lower your 18 wheeler insurance rates

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You can lower your commercial trucking insurance rates in many ways. I help drivers and fleet owners do that every week in my agency. I’ve got years of experience navigating the insurance road to find companies and coverage that will save you money.

But your over-the-road safe driving matters too.

As I work on my side to save you money on your Texas commercial 18-wheeler insurance, you can help by contributing safe driving. Safe drivers save a lot on their insurance rates.

You already know how to drive safely.

But knowing, and remembering, are two different things. You probably have more safe driving tips than these. Please share them with me in the comments below.

Here are my top five 18 wheeler safe driving tips. These are especially helpful if you have new drivers in your fleet:

1. Slow down.

We all know this. But it’s so easy to forget when you are behind schedule because of an unplanned detour. In our personal cars, we can “feel” how much distance we need to come to a complete stop on the highway. After all, we’ve been driving for years.

But behind the wheel of your “office” on the highway, it can take up to twice as much distance to stop.

According to Udot:

“A passenger vehicle weighing 4,000 pounds, traveling under ideal conditions at a speed of 65 miles per hour would take 316 feet to stop. In comparison, a fully loaded tractor-trailer weighing 80,000 pounds traveling under ideal conditions at a speed of 65 miles per hour will take 525 feet to stop.”

When you get behind the wheel of your mobile office, intentionally change how you think about speed and stopping distances.

2. Exercise “trailer-awareness.”

What’s your load? How heavy is it? What’s the length? Are there any unusual shifting risks?

These are questions that should uppermost in your mind, especially as you pull out of the yard. All loads are not created equally. You know this, but fatigue can cause you to forget that “this load is different.”

It’s not just the tractor you should be “feeling.” Listen for, and get a sense for, your new load.

3. Use a trucker’s GPS.

I’m sure most of you have a quality trucker’s GPS.

But if you don’t… think about getting one. The added features like customized truck routing, and road warnings for weight limits and bridges are amazing.

A “best of the best” GPS can reduce frustration. Less frustration will make you a safer driver. And a safer driver has a better driving record, which means lower insurance premiums.

4. Walk delivery spots in advance.

You get to your drop point. It’s a new one. You’re tired and just want to unload and leave. You don’t feel like getting out and walking the yard. It just seems like too much.

Do it anyway.

Park your rig in a safe place, get out, and take a few minutes to patrol on foot. Look for obstacles and potential trap spots. Plan your moves in and out.

Planning on foot can reduce small accidents. Don’t forget that small accidents are still claims. And we all know what a claim can do to renewal insurance premiums.

Think, plan, and pay attention.

Your brain is the best tool you have to lower your commercial insurance rates on your 18-wheeler.

While driving, be thinking 3 steps ahead all the time.

What road will give you the best mileage and safest route? Is it really safe to change lanes now, or can it wait? What strategy is best for getting through Dallas at rush hour?

You’re always the quarterback calling the plays, and the wide receiver making the touchdown. Pay attention at all times. The best truckers are the veterans who understand this. These are the drivers who get the lowest rates.

Call me for a quote.

I’ve been insuring 18 wheelers for many years. It’s my job to save you money while covering you with the insurance plan that’s exactly right for you. Call me today at (281) 449-0111.


Getting the Best Coverage with Your Trucker’s Insurance

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There are many choices you will face while making insurance plans for your trucking business. To understand what is required and what is just good sense, it’s always best to talk to your insurance agent. There are several variables depending on whether you own a fleet or if you own your own rig. Here are a few options that you will want to familiarize yourself with as you consider what kind of coverage you may need.

Requirements to protect those around you

Public liability insurance is required by the Federal Motor Carrier Safety Administration for interstate truckers. This will protect you if you are involved in any accidents where another person is hurt or someone else’s property is damaged.

The bodily injury portion of the public liability insurance will cover any medical bills that have occurred to other people who may be involved in an accident with you. Property damage, of course, covers the costs of other’s property that is damaged due to an accident.

The Federal Motor Carrier Safety Administration requires different minimum coverage depending on your cargo. You will need to find the minimum requirements that are affected by the cargo you are carrying. Hazardous materials and oil will need a higher minimum, for example, where non-hazardous cargos will have a lower minimum requirement.

Will you be bobtailing?

As long as you are hauling a trailer, this will not be a concern. However, if at any time you will be driving without a trailer, make sure that you are covered. There are several scenarios where you will need the extra bobtail insurance.

If you are hauling under someone else’s authority and drop off your trailer, this is the right choice for you. If you want to avoid lawsuits and out of pocket expenses in case of an accident that occurs while you are driving without a trailer, you will want the extra coverage from bobtail insurance.

Are you still financing your rig?

Physical Damage insurance is a requirement if you are financing your truck. Even if you own your truck outright, this is still the smart option for you.

Physical Damage insurance will cover any damage done to your tractor or trailer due to any accidents you may be involved in.

These are just some of the options available to you as a trucker. We have the knowledge and experience to help you choose the right insurance plan for you.

Check your insurance today

Hi, I’m Jack Armstrong, and I’ve been insuring big rigs for many years. Give me a call at (281) 449-0111, and I’ll make sure you are covered the right way.


18 Wheeler Insurance Rates – 10 Tips to Lower Them

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Do you know if you are paying too much for your 18 wheeler insurance coverage? Here are some tips to help keep your premium down.

Keep your rig in shape

Make sure your truck is serviced and kept in tip-top shape. By checking all of your equipment and having a certified DOT mechanic to go through everything for you regularly, you can be sure to see results. Your DOT safety record makes a difference.

Age and experience

Younger, older and less experienced drivers are typically involved in more accidents. Experienced drivers between ages 30 and 62 have the lowest risk, which lowers their premium. Regardless of your age or experience, the best way to keep your truck insurance rates low is to keep a clean record.

The road less traveled may not be your best choice

Routes matter. Consider your routes and avoid those that include possible extreme weather or highly populated metro areas if you are looking to keep your 18 wheeler rates low.

A company by any other name is not so sweet

Do your best to stay in business, not changing your name or switching things up. Newer operations are considered a higher risk, so stick with what is familiar.

Looking for a good excuse for a new truck?

Newer vehicles with the latest equipment always make the best impression. By keeping your fleet up to date, you will be keeping your rates at their lowest.

Take it easy

Slow and steady wins the race. By keeping your record clean, you will keep your truck insurance premiums from going up. The driver with past accidents tends to be the driver with future accidents, so take it easy and don’t take risks.

Your cargo matters

What you choose to carry makes a difference in the risk category. Cargo with high value has a higher risk for theft, temperature sensitive cargo can be spoiled, and there are many other factors. Keep this in mind when you chose your loads.

Safety matters

Safety features such as warning stickers really do help. Other helps could include company safety programs or driver safety training. By educating yourself and your drivers, you are lowering the risk of future accidents and higher rates.

Raising your deductible can help

You will be responsible for paying a higher deductible if there is a truck insurance claim, but it may be worth it in the long run to lower your premium.

Deal with an insurance company that has experience with 18 wheelers.

When you come to Texas Commercial Insurance, you can rest assured that you have experienced agents to back you up. Established in 1959, we are ready to help you find the best coverage whether you drive your own truck or if you have your own fleet. Contact us so we can work with you to find the best rates and the best coverage to fit your needs.