Independent broker
More than one carrier
We're an independent broker. We quote Progressive and other carriers side by side, so you see a real price instead of one take-it-or-leave-it number.
The certificate your carrier is waiting on.
Bobtail and non-trucking liability for Texas owner-operators. We shop Progressive and other carriers for your price, then get the certificate to your motor carrier.
Call a licensed broker, Monday to Sunday, 9am–5pm713-844-8532Get a quote online
Most drivers pay $40–$100 a month.
Sample
Certificate of liability insurance
This certificate is issued as a matter of information only and confers no rights upon the certificate holder. It does not amend, extend or alter the coverage afforded by the policy below.
Date issued10/09/2026
ProducerTexas General Insurance2500 West Loop S, Suite 210Houston, TX 77027713-844-8532
Insurer(s) affording coverageA ProgressiveBC
InsuredOwner-OperatorPower unit leased on to a motor carrier, garaged in Texas
LtrType of insurancePolicy no.EffectiveExpiresLimits
ANon-Trucking Liability / BobtailPrimary auto liabilityMotor truck cargoNTL-TX-000000010/09/202610/09/2027Combined single limit, each accident$1,000,000
Description of operations / vehiclesCovers the scheduled power unit while it is not being operated in the business of the motor carrier named below.
Certificate holderYour Motor CarrierAttn: Safety & leasing department
Authorized representative
- Texas agent license
- #2494648
- Carriers we quote include
- Progressive
- Licensed broker for
- 10+ years
- Phones answered
- Mon–Sun, 9–5
Texas General Insurance is an independent broker. We aren't tied to one company, so we can put more than one price in front of you.
When your carrier's policy stops, this one starts.
Bobtail and non-trucking liability pay for injuries and damage you cause to other people while you drive your truck for anything other than a load. Here's how that plays out on a normal week.
Where you areDispatch statusWho pays if you're at fault
Bobtailing home from the drop yard after you drop a loadOff dispatchYour bobtail / NTL policy
Taking the truck to the shop on a SaturdayOff dispatchYour bobtail / NTL policy
Driving to get a meal on your 10-hour break, no trailerOff dispatchYour bobtail / NTL policy
Running personal errands in the truck between loadsOff dispatchYour bobtail / NTL policy
Deadheading to pick up a load your carrier assignedOn dispatchYour carrier's primary liability
Hauling a loaded trailer for your carrierOn dispatchYour carrier's primary liability
What it doesn't pay for
Damage to your own truck (that's physical damage) and the freight you haul (that's cargo). We can quote both on the same call.
Your lease decides the details
Exact wording depends on your policy and your lease agreement. Send us the lease page and we'll match the coverage to it.
Bobtail or NTL? Your lease agreement already picked.
Both cover you off dispatch. The difference is the trailer. Find the insurance section in your lease, read us the line, and we'll quote exactly what it names.
Read the full bobtail vs NTL guideQuestionBobtailNon-trucking liability
Covers you whenYour tractor is running with no trailer and you are off dispatchYou are off dispatch, trailer or no trailer
Empty trailer hooked upUsually not coveredCovered
Under dispatchNot covered. Your carrier handles itNot covered. Your carrier handles it
Which is broaderNarrowerBroader
What moves your price
- Your driving recordTickets and accidents in the last three to five years.
- Years with a CDLNewer drivers usually pay toward the top of the range.
- Where the truck is garagedYour Texas ZIP code changes the rate.
- The limit your carrier requiresMany ask for $1,000,000. Some accept less.
- Bobtail or NTLNTL is broader, so it can cost a little more.
Why drivers call us instead of a 1-800 number
Mon–Sun, 9am–5pm
Open Saturday and Sunday
Loads don't stop on Friday and neither do we. If your carrier needs a certificate before Monday, call on Sunday.
TX license #2494648
Licensed in Texas, 10+ years
You talk to a licensed broker in our Houston office on West Loop South, not a national call center reading a script.
Signed off by clients
From Google reviews of our broker, Nick Schrader.
Endorsement 1 of 4
“Nicholas is very helpful and knowledgeable. He worked with us through all problem we came across.”
Endorsement 2 of 4
“It took me a while to find someone that can insure my small businesses, and Nick is legit.”
Endorsement 3 of 4
“Nick Schrader is a phenomenal Insurance Broker... not one question has gone unanswered.”
Endorsement 4 of 4
“Best by far... knowledgeable staff, quick response times.”
Call before your next load.
Have these three things in front of you and we can quote it on the phone, then send the certificate where your carrier needs it.
- Your CDL numberPlus years driving
- Truck year, make and VINThe power unit to insure
- Your motor carrier's nameThis is the certificate holder