Tailored Coverage for Private Carriers & Owner-Operators
Whether you're hauling materials for construction, manufacturing, or any other sector, commercial trucking insurance is essential. At Miller & Miller Insurance Agency, we provide trucking coverage solutions designed specifically for private carriers operating under their own authority — including both company-owned trucks and leased operators.
We’ll help you protect your vehicles, cargo, and livelihood with the right combination of coverage to meet your unique needs.
Key Trucking Insurance Coverages
We offer a full range of commercial trucking coverages, including:
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Primary Liability – Covers bodily injury or property damage to others if you're at fault in an accident. Required by law for motor carriers under their own authority.
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Cargo Insurance – Protects the freight you're hauling against loss or damage. Often included in leased operator contracts but available separately when needed.
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Physical Damage – Includes collision and specified perils coverage (fire, theft, vandalism, weather damage, etc.) for your owned vehicles.
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Occupational Accident – A flexible alternative to workers compensation for owner-operators. Helps cover medical expenses, disability, and accidental death benefits for qualifying individuals.
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General Liability, Trailer Interchange & More – Available based on your operational risk profile and business structure.
We’ll help you understand which coverages you’re required to carry and which additional protections make sense for your operation.
Coverage Built Around Your Authority
Whether you’re operating under your own DOT authority or leasing onto a motor carrier, it’s critical to align your coverage with your exact business structure. We help you stay compliant with FMCSA requirements while also protecting your trucks, your cargo, and your income.
And because we work with multiple top-rated carriers, we’ll compare options and help you find the best combination of price, protection, and service.
Why We’re a Top Choice for Trucking Insurance in New Braunfels
We’re based right here in New Braunfels, and we understand the challenges that local and regional drivers face — whether you're managing a fleet or just getting your own authority. From navigating Texas DOT requirements to insuring cargo across state lines, we’re local experts who know trucking from the ground up.
OUR BLOGS
Learn More About Trucking Insurance on Our Blog
We share helpful tips on navigating DOT compliance, lowering premiums, and avoiding costly insurance gaps. Check out our blog to stay up to date on trucking regulations and learn how the right insurance strategy can protect your business and keep you rolling.
CONTACT US
Get a Commercial Trucking Insurance Quote
Ready to get covered? Whether you’re an established carrier or just getting your authority, we can help you build a policy that checks every box. Call our office to speak directly with a trucking insurance specialist, or head over to our quotes page to get started online. Either way, we’ll make the process fast, easy, and transparent.
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