We cover everything you own and everyone you're responsible for, without locking you into one company's options.
Trucking Insurance for East Texas Owner-Operators and Fleets
If you're running a truck in East Texas, your livelihood is on the line every time you pull out of the yard. At Wallace & Murray, we've been helping truckers and small fleets get the right coverage since 1972 — and when you call us, you're talking to a real person who understands what's at stake. We work with multiple carriers so we can find coverage that fits your operation, not just a generic policy pulled off a shelf.
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Hay barns, equipment sheds, cattle pens, grain storage, and other agricultural structures aren't covered under a standard homeowners policy. A farm and ranch policy covers them specifically — at replacement cost or actual cash value depending on what you carry.
Barns, Outbuildings, and Farm Structures
Coverage Built Around How Truckers Actually Work
Trucking insurance isn't one-size-fits-all, and we don't treat it that way. Whether you're an independent owner-operator running under your own authority, a leased driver hauling for a motor carrier, or a small fleet based in Van Zandt County, we can put together coverage that matches how you operate. We shop across our carrier network to find the right fit — and we're upfront about what you're getting and what it costs.
Common coverage types we work with:
- Primary auto liability (required for most trucking operations)
- Bobtail insurance for when you're driving without a trailer or load
- Physical damage coverage for your truck and trailer
- Motor truck cargo insurance
- Non-trucking liability
- General liability for trucking businesses
Why Independent Owner-Operators Choose an Independent Agency
When you go to a captive agent, you get whatever that one carrier offers. When you come to us, we have access to multiple carriers and can compare options across the market. That matters in trucking, where rates and appetite vary widely depending on your cargo type, haul radius, loss history, and whether you're running under your own authority or leased to a carrier.
We don't charge agency fees. The cost of insurance is the cost of insurance — nothing added on top. And because we're local and independent, we're not routing you through a call center when you have a question or need to make a change.
Bobtail and Non-Trucking Liability: What's the Difference?
These two coverage types confuse a lot of truckers, and the distinction matters. Bobtail insurance covers you when you're operating your truck without a trailer — for example, after dropping a load and before picking up the next one. Non-trucking liability covers personal use of your truck when you're not under dispatch. Both are gaps that can leave owner-operators exposed if they're not addressed.
If you're leased to a motor carrier, their insurance covers you while you're on dispatch — but it doesn't cover everything in between. We can walk you through where your current coverage starts and stops and help you fill in the gaps.
Serving Truckers Across the Canton–Tyler–Athens Corridor
Our office is in Canton, TX, right in the heart of Van Zandt County — and we work with truckers across the broader East Texas region, including Tyler, Athens, Mineola, and the Dallas corridor. If you're based anywhere in this part of the state and you're looking for commercial truck insurance, we're close by and easy to reach.
We also work with trucking businesses that need more than just a truck policy. If you need general liability, commercial property, or workers comp alongside your trucking coverage, we can handle all of it through one agency.
Common Questions About Trucking Insurance in East Texas
Do I need my own trucking insurance if I'm leased to a carrier?
Yes, in most cases. The motor carrier's policy covers you while you're under dispatch, but it typically doesn't cover bobtail operation or personal use of your truck. Owner-operators leased to a carrier usually need bobtail insurance and may need non-trucking liability as well, depending on the lease agreement.Can you insure a small fleet, or just individual owner-operators?
We work with both. Whether you're running one truck or a small fleet of several, we can put together coverage through our carrier network. Fleet size, cargo type, and haul radius all factor into how we structure the policy.How do I get a trucking insurance quote from Wallace & Murray?
The easiest way is to call us directly at (903) 567-4108 or submit a quote request online. We'll follow up by phone to go through the details of your operation and get you accurate numbers — no guesswork, no automated quotes that don't reflect how you actually run.
Talk to Someone Who Knows Trucking Coverage
Trucking is one of the more complex commercial lines we write, and we take it seriously. If you're an owner-operator in East Texas looking for commercial truck insurance — or a small fleet trying to make sure your coverage is actually doing its job — give us a call or send us a quote request. We'll give you a straight answer and a real number, not a runaround.