Expert Truck Insurance Services in Arlington, Texas

In Texas, commercial trucks are required to have liability insurance. The minimum amounts depend on the vehicle's weight and the type of cargo. For instance, a truck over 26,000 lbs hauling non-hazardous freight generally needs at least $750,000 in liability coverage. We ensure your policy not only meets but exceeds the requirements set by the Texas Department of Transportation (TxDOT) and the FMCSA to fully protect your business.

The cost of truck insurance in Arlington varies based on factors like your driving record, the type of cargo, vehicle value, coverage limits, and your operational radius. An owner-operator with a clean record might pay differently than a large fleet. At Soma, we shop your policy with hundreds of carriers to find the most competitive rate for your specific risk profile, ensuring you get the right price for your coverage.

Yes, absolutely. We specialize in helping new ventures get started. We understand the challenges new authorities face in finding affordable insurance and can guide you through the process. We have carrier partners who are willing to work with new businesses, helping you get properly insured and on the road to profitability right from day one. We'll also handle all necessary DOT and FMCSA filings for you.

Motor Truck Cargo insurance covers the freight you are hauling in case it is lost or damaged due to fire, collision, or theft. While not always legally required by the state, most shippers and freight brokers will not work with you unless you have it. It is essential protection for your business and your clients' goods. We can help you determine the right limit based on the value of the cargo you typically transport.

Physical Damage insurance is a general term for a pair of coverages that protect your truck and trailer. Collision coverage pays for damage from an accident, while comprehensive coverage pays for damage from other events like theft, vandalism, or fire. This insurance is crucial for protecting the significant investment you've made in your equipment. Most lenders will require it if your truck is financed.

You can lower your premiums by maintaining a clean driving record, hiring experienced drivers, implementing a strong safety program, and increasing your deductible. Additionally, paying your premium in full annually can sometimes result in a discount. Our team at Soma will work with you to identify all available discounts and strategies to help you secure the most affordable rate without sacrificing essential coverage.

Yes, it's highly recommended. While your primary auto liability covers accidents on the road, General Liability protects you from other claims, such as a customer slipping and falling during a delivery or accidental damage to property while loading or unloading. It covers risks that happen off the road, providing a critical layer of protection for your business operations. Many contracts will require you to carry it.

Primary Liability provides coverage when you are operating your truck under dispatch for a motor carrier, whether you are loaded or empty. Non-Trucking Liability (NTL) provides coverage when you are using the truck for personal, non-business purposes. If you are an owner-operator leased to a motor carrier that provides your primary liability, you will need an NTL policy to be covered during your personal off-duty time.