Texas law requires all commercial vehicles operating on public roads to carry minimum liability coverage. For most business vehicles, that means a split limit of $30,000 bodily injury per person, $60,000 total bodily injury per accident, and $25,000 for property damage. This is the legal minimum. It may not be enough for your actual exposure.

If your business operates heavier vehicles or transports goods commercially, the requirements go up significantly. Motor carriers registered with TxDMV for intrastate freight must carry at least $300,000 in combined single limit liability. Vehicles transporting hazardous materials can be required to carry up to $5,000,000. 

For Houston businesses, these are not theoretical numbers. A work truck involved in a serious accident on I-10 or the 610 loops can easily generate claims that exceed minimum limits, leaving your business exposed. Our agents help you understand exactly where your exposure is and how to structure coverage that protects your assets, not just your compliance checkbox.