Precise & Affordable Risk Services, LLC
Commercial trucking insurance built around your operation
Coverage that keeps your trucks moving
Whether you run one truck or a growing fleet, the right policy protects your equipment, your cargo, and your authority. We compare options and build a program that fits how you actually operate.
From primary liability to cargo and physical damage, we help you stay compliant and covered so you can focus on the next load.
Primary Auto Liability
Required coverage for bodily injury and property damage you cause to others while under dispatch.
Get a quote →Physical Damage
Repairs or replaces your tractor and trailer after a collision, theft, fire, or other covered loss.
Get a quote →Motor Truck Cargo
Protects the freight you haul against loss or damage while it's in your care.
Get a quote →General Liability
Covers third-party injuries and property damage from business operations off the road.
Get a quote →Non-Trucking Liability
Liability protection for leased owner-operators when driving off dispatch.
Get a quote →Trailer Interchange
Covers damage to non-owned trailers you pull under a trailer interchange agreement.
Get a quote →Reefer Breakdown
Protects temperature-sensitive loads when refrigeration equipment fails.
Get a quote →Occupational Accident
Medical, disability, and death benefits for independent contractors hurt on the job.
Get a quote →Workers Compensation
Covers employee injuries and lost wages, and keeps you compliant with state requirements.
Get a quote →Hired & Non-Owned Auto
Liability for vehicles your business rents, borrows, or that employees drive for work.
Get a quote →Why truckers choose PARS
Tailored coverage
Every operation is different. We build your policy around your equipment, cargo, radius, and authority, not a one-size-fits-all package.
Responsive service
Certificates, filings, and policy changes handled quickly by people who understand trucking, so you're never stuck waiting at the dock.
Trucker-friendly pricing
We compare multiple insurance markets to find competitive premiums and payment options that work for your cash flow.
Protection you can count on, mile after mile
At Precise & Affordable Risk Services, we believe a policy should be more than paperwork. It should be a promise. We work with owner-operators and fleets to understand their routes, cargo, and budget, then match them with coverage that is precise to their risk and affordable to carry.
Request your free quote
Tell us about your operation and a licensed agent will get back to you quickly.
- (915) 339-0221
- sales@parsinsurancellc.com
- 5900 Balcones Drive STE 100, Austin, TX 78731