Coverage for Texas last-mile delivery fleets — built for TxDMV commercial registration, DPS inspection, the TxDMV number for intrastate carriers, and the certificate requirements your delivery-service-partner program imposes.
Texas is one of the biggest and fastest-growing last-mile markets in the country, with major delivery hubs in Dallas–Fort Worth, Houston, San Antonio, and Austin. The state has its own commercial-vehicle registration and motor-carrier rules, and your delivery-service-partner program sets the certificate limits on top. Here is how it works and what your coverage needs to do.
Texas requires commercial vehicles to be registered in the business name, and intrastate motor carriers operating commercial vehicles on Texas roads must obtain a TxDMV number through the Texas Department of Motor Vehicles. Fleets of multiple vehicles can use TxDMV’s commercial fleet registration programs, and interstate operators register under the federal Unified Carrier Registration (UCR) Agreement through TxDMV as well.
On top of registration, Texas applies vehicle and driver standards a delivery underwriter expects to see:
Texas’s vehicle minimums are not the operative number for a delivery contractor — your delivery-service-partner program is. In practice that means a $1M combined single limit on commercial auto, $1M/$2M general liability, motor truck cargo, hired & non-owned auto, and workers’ comp, with the program named as additional insured. Note that Texas is the one state where private employers can opt out of the workers’ comp system, but delivery programs require workers’ comp (or an approved equivalent) regardless — so the program requirement, not the state option, governs. We build the certificate to your program’s requirements and confirm the workers’ comp arrangement it will accept.
Tell us about your operation and your loss history — we’ll confirm we can write Texas and structure the limits to match.