Flatbed Truck Insurance in Texas
Flatbed insurance covers open-deck fleets hauling steel, lumber, machinery, and oversized freight, where securement and cargo exposure drive the risk.
Open-deck freight means load securement, tarping, and falling-cargo exposure that van carriers don’t face. Cargo limits and commodity disclosures matter, especially for steel and heavy machinery.
What underwriters look at
- Commodity — steel, lumber, machinery, or oversized loads
- Cargo limit high enough for your heaviest typical load
- Load securement and tarping practices
- Oversize/overweight permits and routing
Coverages for a flatbed 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
- How much cargo coverage do flatbed loads need?
- It depends on commodity value. $100,000 is a common baseline, but steel, machinery, and oversized loads frequently require higher limits. We set the limit to your heaviest typical load so you stay load-eligible.