Flatbed Truck Insurance in Texas
At Heaton Bennett Insurance, we focus on finding the right insurance company for your specific insurance needs. As an independent insurance agent, we represent the top-rated insurance carriers in Texas. So, when you’re looking to insure your flatbed truck, we’ll be able to find you a company that specializes in insuring this type of vehicle.
Depending on the type of flatbed truck that you have, it may be designed to carry heavy loads or loads that are more susceptible to “load shifting.” Protecting yourself from these vulnerabilities as well as liabilities is why it is a good idea to carry sufficient insurance limits on your flatbed truck.
What type of insurance do I need on my flatbed truck?
Insurance for flatbed trucks is the same as other trucking insurance coverages. You’ll want to discuss with an agent what coverage are right for your situation.
Liability Insurance: Required to operate your vehicle on the roadway. This coverage gives you liability protection to others in the event you’re found at fault for an accident.
Physical Damage Coverage: This coverage protects your vehicle if it is damaged in a covered loss.
Additional coverage is available for for-hire truckers.
Motor Truck Cargo Insurance: covers the goods you’re hauling for others
Non-Trucking Liability Insurance: Insurance protection for your vehicle when you’re not working.
Contact Heaton Bennett Insurance in Austin to discuss your flatbed truck insurance in Texas. Our licensed staff can help you find the right insurance for your trucking needs.
Frequently Asked Questions
Is commercial auto insurance required for a flatbed truck used for business?
A commercial auto policy may be appropriate when a flatbed truck is owned or operated for business purposes. Insurance needs depend on the truck, cargo, operating authority, driving radius, and contractual obligations.
Does flatbed truck insurance cover the cargo being transported?
Cargo is not necessarily covered by commercial auto insurance. Motor truck cargo coverage may be available based on what is hauled, who owns it, and which party is responsible for it.
Does insurance cover damage caused by an unsecured load?
Certain liability coverage may apply if cargo contributes to bodily injury or property damage. Whether a specific incident is covered depends on its circumstances and the policy’s terms and exclusions.
Are tarps, chains, straps, and other flatbed equipment covered?
Coverage may be available for eligible equipment used to secure and protect loads. Texas trucking businesses should identify this property and confirm applicable limits with their insurance agent.
What factors affect the cost of flatbed truck insurance?
Premiums may be influenced by truck value, cargo types, driving radius, annual mileage, driver records, business experience, claims history, coverage limits, and deductibles.
