Primary Liability
Mandatory coverage for bodily injury and property damage. We handle FMCSA filings and ensure your limits meet broker requirements.
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Houston · Texas · Nationwide Coverage
Protection Built for the Open Road
Prime Haul Insurance is a full-service agency specializing in commercial trucking coverage — from single-unit owner-operators to nationwide fleets. Backed by responsive advisors who understand your business.
A+
Carrier Ratings
24h
Quote Turnaround
50
States Served
Licensed Texas Agency
TX License #1847293 · Est. 2011
Why Operators Choose Us
- FMCSA & DOT filing expertise
- Access to A-rated carriers nationwide
- Fleet programs with safety scoring
- BMC-91, BMC-32, MCS-90 endorsements
- Dedicated renewal management
Why Choose Us
Built Around How Operators Actually Work
We combine deep trucking industry knowledge with responsive service to deliver coverage programs that protect your business and your bottom line.
Trusted Carrier Markets
Direct access to A-rated insurance carriers specializing in trucking, commercial, and fleet lines across all 50 states.
Rapid Response
Quotes delivered within 24 hours. Proactive renewal reviews well before expiration. No endless phone tag.
Specialist Underwriting
Our team writes complex trucking accounts that other agencies decline — from hot-shot to refrigerated fleets.
Loss Control Support
Safety programs, driver training resources, and claims advocacy to help reduce premiums over time.
Our Specialization
The Agency Built for Commercial Trucking
From the first authority filing to managing a national fleet, our trucking team understands FMCSA, DOT, MCS-90, BIPD limits, broker requirements, and the operational reality behind every endorsement.
- Owner-operators, leased-on, and authority holders
- Long-haul, regional, intermodal, hot-shot & refrigerated
- Fleet programs with safety scoring and loss control
- Filings: BMC-91, BMC-32, MCS-90 endorsements
Why Trust Us
A Real Agency You Can Count On
Prime Haul Insurance is a fully licensed, independently operated agency — not a lead generator. We work directly with you and top-rated carriers.
Texas Department of Insurance Licensed
Agency License #1847293. Fully compliant with all state insurance regulations and continuing education requirements.
Trucking Industry Specialists
Our agents average 12+ years in commercial trucking insurance. We speak your language — DOT, MC, CSA scores, and cargo classifications.
Independent Agency Model
We shop 30+ A-rated carriers to find you the best coverage and price. Your interests come first — always.
Houston HQ, Nationwide Reach
Based in Houston, Texas with licensed agents serving motor carriers in all 50 states. Local expertise, national coverage.
Our Services
Comprehensive Coverage Lines
Whether you operate one truck or manage a national fleet, we build insurance programs tailored to how you actually run your business.
Motor Truck Cargo
Protect the freight you haul from theft, damage, and loss. Coverage options for general freight, refrigerated, and high-value cargo.
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Physical Damage
Comprehensive and collision coverage for your tractors and trailers. Flexible deductibles and agreed value options available.
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General Liability
Broad protection for your business operations, premises liability, and contractual requirements beyond auto coverage.
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Workers Compensation
Coverage for employee injuries on the job. Required in most states for motor carriers with hired drivers and office staff.
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Non-Trucking Liability
Essential coverage for leased owner-operators when operating under someone else's authority during non-business use.
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Client Voices
Trusted by Operators Nationwide
Hear from fleet managers and owner-operators who rely on Prime Haul for their coverage needs.
Our Process
Getting Covered Is Simple
From initial quote to policy binding, our streamlined process gets you protected fast without the paperwork headache.
1
Request a Quote
Fill out our online form or call our team. Share your DOT info, fleet size, and coverage needs.
2
Review Options
We shop multiple A-rated carriers and present tailored options within 24 hours.
3
Bind Coverage
Select your program, complete applications, and we handle all FMCSA filings for you.
4
Ongoing Support
Dedicated account management, renewal reviews, and claims advocacy for the life of your policy.
FAQ
Frequently Asked Questions
Common questions about commercial trucking insurance and our services.
Still Have Questions?
Federal law requires minimum liability coverage of $750,000 for general freight and up to $5 million for hazardous materials. Most brokers and shippers require $1 million in auto liability. Additional coverages like cargo, physical damage, and general liability are typically required by contracts even when not mandated by law.
Most quotes are delivered within 24 business hours. For straightforward owner-operator accounts with clean loss history, we can often provide preliminary pricing the same day. Complex fleet accounts may require additional underwriting time.
Yes. We process all required filings including BMC-91, BMC-91X, BMC-32, and MCS-90 endorsements directly with the FMCSA. Our team ensures your authority remains active and compliant with federal requirements.
Key rating factors include driving records (MVR), loss history, years in business, cargo type, radius of operation, vehicle types, safety programs, and CSA scores. We work with you to identify savings opportunities through safety initiatives and proper coverage structuring.
Absolutely. We specialize in helping new authority holders obtain their first commercial trucking policy. We guide you through the application process, filing requirements, and help you understand the coverages you'll need to start hauling freight.
Industry Insights
Latest News & Updates
Stay informed on trucking insurance trends, regulatory changes, and safety best practices.
FMCSA Updates Minimum Insurance Requirements for 2026
Recent regulatory changes may affect liability limits for certain cargo classifications. Here's what motor carriers need to know.
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5 Safety Programs That Can Lower Your Fleet Premiums
Implementing telematics, driver training, and maintenance protocols can significantly reduce insurance costs over time.
Read Article
First-Time Authority Holder's Insurance Checklist
Starting your own trucking authority? This step-by-step guide covers every coverage you'll need before your first load.
Read Article
On the Road
Protecting the Industry That Moves America
From owner-operators to enterprise fleets — we insure the trucks, cargo, and people that keep freight moving across every mile.
Long-haul & interstate operations
Owner-operators
Cargo & logistics
Regional carriers
Fleet operations
Our Partners
Trusted Carrier Partners
A-Rated Carriers
Trucking Focused
FMCSA Filings
50 States
2,400+ Clients
15+ Years
Ready to Upgrade Your Coverage?
Get a custom insurance program tailored to your fleet, operation, or business — usually within one business day.
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Fill out the form below and one of our trucking insurance specialists will contact you within 24 hours.