Commercial Truck Insurance in Houston, TX | iAgency
- 4 days ago
- 2 min read
Commercial Truck Insurance in Houston
iAgency writes commercial trucking insurance for motor carriers based in and around Houston. We are licensed in all 50 states and we place coverage with carriers that actively want trucking business — including new authority operations other agents decline.
Houston is the petrochemical and port capital of the country. Port Houston container volume, refinery traffic along the Ship Channel, and energy-sector equipment hauling define this market.
What makes the Houston market different
Hazmat and energy-sector hauling is common here and carries far higher limit requirements — $5,000,000 for the most hazardous materials under FMCSA rules
Port drayage out of Barbours Cut and Bayport requires trailer interchange coverage under the chassis interchange agreement
Flood exposure affects physical damage underwriting; carriers ask specifically about overnight parking elevation after repeated Gulf storm losses
Ship Channel and refinery access often requires higher general liability limits than standard trucking programs carry
Coverage we place
Commercial auto liability — $750,000 FMCSA minimum, $1,000,000 standard for broker contracts
Motor truck cargo — typically $100,000, higher for high-value freight
Physical damage — comprehensive and collision on tractors and trailers
Trailer interchange — required for drayage and any written interchange agreement
Non-trucking liability and occupational accident for leased owner-operators
General liability, workers compensation, and umbrella
Why garaging address matters so much
Underwriters rate liability partly on where the truck sits overnight, because that predicts the traffic density, theft exposure, and claim environment the unit operates in. Two identical trucks with identical drivers can price very differently based on garaging ZIP alone. We confirm your actual garaging address at submission rather than defaulting to your mailing address, which is a common and expensive error.
Getting quoted in Houston
Send your DOT or MC number, unit list with VINs and stated values, and driver list
We run eligibility, pull MVRs, and shop every market writing your class and radius
You receive one advisory proposal comparing real premium, down payment, and monthly terms
Choose an option, sign electronically, and we handle filings and bind
Send your DOT or MC number, unit list, and driver list to service@iagency.biz or call (469) 501-1071. Most complete submissions come back with a full quote package inside one business day.
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