Texas Trucking Insurance

What You Need to Know About Austin Trucking Insurance

Your Austin, Texas trucking business plays a huge role in the lives of your employees and everyone your business touches. Your business is an essential part of your area, which is why ensuring that you have the right insurance protection is so invaluable for everyone involved. Making sure that you have the right insurance coverage at the ready to safeguard your business is a vital facet of setting your business up for success and longevity.

The fact is, in every area of life and every single business, there is an element of risk. In the trucking industry, you face a level of unpredictability that many other businesses never encounter – which means that being prepared for the unexpected is absolutely crucial for you as an Austin trucking business owner. Fortunately, when you are armed with the right insurance protection, you can have the means to deal with whatever comes your business’ way.

The Insurance Protection Your Trucking Business Needs 

  • Liability situations can be a nightmare, so having ample commercial auto liability is a non-negotiable aspect of your Austin trucking business coverage. Being prepared to deal with any commercial auto liability issues that can surface is absolutely vital, and your business deserves to have sufficient coverage for that area. 
  • General liability insurance takes care of property damage issues, bodily injury situations, and personal injury scenarios.  General liability coverage is an invaluable part of ensuring that a mishap or disaster does not catch you off guard. The fact is, issues come up. You can’t prevent problems from arising, but you can be sure that you are ready to handle them when they come. 
  • Commercial auto physical damage coverage is important as well. Issues from loss of fuel to loss of equipment to towing expenses fall under this coverage, so it is an invaluable asset for you as a business owner. The right protection for commercial auto physical damage issues can be a game-changer for you, so this isn’t a coverage to push onto the back burner. 
  • Workers’ compensation coverage  is an essential part of good Austin trucking insurance protection. While no one wants to consider their employees getting hurt, it is a possibility that must be considered.  Having the right workers’ compensation coverage to safeguard your employees and protect your Texas business from legal issues is necessary, so make certain that you have the coverage your business needs. It can give both you and your employees peace of mind in the face of the unknown.
  • Rental reimbursement coverage is something to consider adding to your Austin trucking business’ coverage. If there is an accident with one of your trucks and it is damaged, you’ll need to rent another one so that deadlines aren’t missed while the truck is getting repaired or replaced. This coverage reimburses the expense of renting another truck during that period, which can make a huge difference for your business.
  • Something else to consider adding on is commercial umbrella insurance for your Austin trucking business. Should a claim come about that exceeds your regular coverage, commercial umbrella insurance can cover that gap amount between your regular policies and the claim amount.  It doesn’t have to take a huge catastrophe to throw your business’ finances for a loop, so having good commercial umbrella insurance is a must when it comes to protecting your business.

The Best Texas Insurance Fit For Your Austin Trucking Business 

Remember, you are not alone when it comes to finding the best insurance fit for your situation. You can talk with your Patterson insurance agent about what specific policies your Austin trucking business needs in order to thrive both now and down the road. Your trucking business is unique, and you want to make sure that you safeguard it with the right insurance coverage for its needs – and your agent can help you find the best fit for you. We believe that you shouldn’t have to settle for less than the protection your trucking company needs.


Here at Patterson Insurance, we know how deeply you value your trucking business, and you don’t want your business to be vulnerable to unexpected mishaps and disasters. Having the right insurance fit for your situation is a must, and we would love to help you find the right coverage for your needs. Call our Carthage team at (903) 693-3831 or our Seven Points team at (903) 432-2436; you can contact us today so that we can help you insure your Austin trucking business with the insurance policy it deserves – because when you are prepared for the unexpected, you can focus on making your trucking business the best it can be.

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