The great state of Texas is known for many things: the Cowboys, wide open spaces, barbecue, and oil fields. It’s also home to a large trucking industry. With major highways crisscrossing the state, thousands of trucking companies operate in Texas—hauling cargo from Point A to Point B. However, these same companies face many hazards on the road—from bad weather and distracted car drivers to highway construction zones and wandering animals.
Since there are so many risks on the roads in Texas, risk management is a top priority for trucking companies. Even one accident can badly hurt a trucking company’s bottom line through truck repairs, lost or damaged cargo, lawsuits, and an increase in insurance costs. This is why proper commercial truck insurance coverage is a must.
Common Texas Trucking Risks
As mentioned, Texas introduces a wide range of potential risks and challenges for commercial truck drivers. From the crowded expressways to the rural backroads to the major tornadoes and hurricanes, operating a commercial truck in Texas requires some expertise, preparation, and diligence. Here are just some of the risks that commercial truckers may face:
- Hurricanes during June through November. Truckers need to closely monitor forecasts and evacuate ahead of storms. Do not attempt to drive through hurricane conditions!
- Urban traffic in cities like Houston, Dallas, San Antonio, and Austin. Truckers have to deal with stop-and-go traffic, impatient drivers cutting in front of trucks, and a higher risk of accidents. Drivers should allow extra time on routes through big cities.
- Tornadoes during springtime. At the first sign of a tornado or warning, look for shelter in a sturdy building, and NOT the truck! Avoid highways and bridges if a tornado is nearing.
- Dust storms and flash floods in western Texas. Truckers should listen for storm warnings. If caught in a dust storm, pull over completely off the road, turn off the lights, and wait it out. Do not drive into a dust storm.
- Deer, cows, and other animals crossing rural roads. Truckers must keep an eye out for wandering cattle, deer, and other animals that cross rural roads. These unexpected interactions can lead to accidents and even fatalities. Drive slowly, use high beams, and watch for crossing signs.
Managing Risk Through Safety
Trucking companies can use different techniques to reduce the chances of an accident and control insurance costs:
- Screen drivers’ backgrounds, driving records, and experience. Provide thorough behind-the-wheel training.
- Set strict schedules for driving hours and rest periods to prevent driver fatigue. Enforce them using truck logs and GPS tracking.
- Use GPS tracking to monitor speed, unauthorized stops, unsafe driving, and cargo temperature.
- Install cameras, radars, lane departure sensors, and other technology designed to help avoid collisions. Maintain them properly.
- Conduct truck maintenance and repairs according to DOT regulations. Check tires, lights, brakes, fluids, etc.
- Equip trucks with weather tracking apps and two-way radios for real-time route planning.
- Ban cell phone use and require regular rest breaks on long hauls.
Finding the Right Commercial Truck Insurance Coverage
With so much on the line, Texas trucking companies must work with an insurance agent who understands their specific needs. Look for an experienced team with policies with the proper coverage levels while controlling premium costs. Commercial trucking companies should also look for commercial truck insurance companies that help truckers mitigate risks. By prioritizing safety and proper insurance, commercial truckers in Texas can manage risks and continue hauling goods to destinations across the state.
Contact J.E.B. Insurance Services, LLC today for a free quote and let us show you how much you can save on proper commercial truck insurance.