Texas Business Insurance
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
- Texas DOT and TxDMV filing specialists — MC, DOT, UCR handled in-house
- 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.
Carriers we place in Texas
- Progressive
- Nationwide
- Travelers
- Lancer
- Northland
- Prime Insurance
- Cover Whale
- Occidental
- Canal
- Bristol West
- Employers
- AmTrust
Industries we serve
- Businesses with Company Vehicles
- Trucking & Transportation
- Oil & Gas Contractors
- Construction
- Landscaping
- HVAC Companies
- Electricians
- Auto Service & Repair
- Restaurants
- Retail Stores
- Owner-Operators
Get a free quote or call (321) 206-8035.