Dry Van Insurance in Texas
Dry van insurance covers enclosed-trailer fleets hauling general freight over the road, where radius, driver records, and cargo value drive the rate.
Dry van is the backbone of over-the-road freight. It’s a broadly written class, so the rate turns on the fundamentals: operating radius, driver MVRs, authority age, and loss history — exactly the profile the markets we use reward.
What underwriters look at
- Operating radius and lanes run
- Driver MVR quality and turnover
- Cargo value and commodity mix
- Authority age and loss history
Coverages for a dry van fleet
Auto Liability
Commercial auto liability pays for bodily injury and property damage your trucks cause to others, and is the coverage FMCSA requires on file before a carrier can operate.
Physical Damage
Physical damage insurance pays to repair or replace your own trucks and trailers after a collision, theft, fire, or other covered loss.
Cargo
Motor truck cargo insurance covers the freight you are hauling if it is damaged, destroyed, or stolen in transit.
Common questions
- Is dry van insurance cheaper than specialized trucking?
- Often, yes. General dry-van freight avoids the pollution, spoilage, and heavy-haul exposures that raise rates on tanker, reefer, and oversized operations. A clean fleet running reasonable radii with experienced drivers is the lowest-friction risk to place.