Heavy Haul & Oversized Load Insurance in Texas
Heavy haul insurance covers lowboy and step-deck fleets moving oversized and over-weight freight, where high cargo values and permit routing shape the risk.
Oversized loads carry high-value cargo, require state permits and sometimes escorts, and travel approved routes at reduced speeds. Cargo limits must reflect the machinery being moved, and underwriters weigh commodity, routing, and driver experience heavily.
What underwriters look at
- High cargo limits for machinery and equipment
- Oversize/overweight permits and approved routing
- Escort and pilot-car requirements
- Rigging, loading, and securement exposure
Coverages for a heavy haul rig 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 insurance do heavy haul loads need?
- Enough to cover the actual value of the machinery or equipment on the trailer — which frequently runs several hundred thousand dollars or more. We set the cargo limit to your highest-value typical load so you stay eligible to haul it.