Texas is the #1 state in the U.S. for commercial trucking, oil-field services, and construction — and Garzor Insurance has the carrier relationships and risk expertise to protect Texas businesses. From Dallas–Fort Worth fleets to Houston contractors and San Antonio owner-operators, we deliver competitive rates from 30+ A-rated carriers with bilingual service.
Why Texas is different
Deep expertise in Texas trucking — the #1 state for motor carrier registrations
Specialized oil & gas contractor coverage (Inland Marine, Pollution Liability)
Texas-compliant workers' comp programs — TX is a non-compulsory state
High-value cargo and reefer coverage for Texas agricultural haulers
Competitive commercial auto rates along the I-35 and I-10 corridors
Bilingual advisors serving Texas's 40%+ Hispanic business community
Why Garzor Insurance
We insure 200+ Texas-based trucking and transportation companies
Same-day certificates of insurance for Texas contractors and haulers
Partnerships with Texas-strong carriers like Lancer, Northland, and Progressive
4.9/5 Google rating — trusted by Texas businesses from El Paso to Beaumont
Regulatory notes
Texas is a non-compulsory workers' comp state — employers can opt out, but face unlimited liability exposure if they do. Commercial auto minimum liability is 30/60/25. Texas requires $300K–$750K filing for motor carriers depending on vehicle weight and cargo type. All for-hire carriers must register with TxDMV.