Our Coverage Options
Explore the insurance products we offer — click any category to see what's included.
Protect your company from claims of negligence, property loss, and employee injuries. We design packages for auto‑repair shops, bars, salons, construction, catering, and many more.
- General Liability
- Commercial Property
- Professional / Errors‑and‑Omissions
- Workers' Compensation
- Business Interruption
Standard auto or cargo policies leave dangerous gaps. Our truck‑focused solutions combine liability, cargo, physical‑damage and specialty coverages.
- Commercial Truck Auto Liability
- Motor Truck Cargo (reefer, dry‑van, flatbed, hazmat…)
- Trailer Interchange
- Physical Damage (collision & theft)
- Bobtail & Non‑Trucking Liability
From liability to comprehensive, we protect personal cars, motorcycles, ATVs and boats. Optional roadside assistance and rental‑reimbursement are also available.
- Liability (30/60/25 TX minimum)
- Collision & Comprehensive
- Medical Payments / PIP
- Uninsured/Underinsured Motorist
- Roadside Assistance
Guard the place you call home. Our policies cover dwelling, personal belongings, liability and extra living expenses, with optional flood, earthquake and jewelry riders.
- Dwelling & Other Structures
- Personal Property
- Liability & Legal Defense
- Loss of Use (ALE)
- Optional Add‑ons (flood, earthquake, credit‑card theft…)
More Ways We Can Help
Beyond insurance, we offer the tools and services to keep your business compliant, bonded, and built on solid ground.
Bonds & Permits
Secure the surety bonds and permits required for construction contracts, licensing, court filings and more.
- Bid & Performance Bonds
- License & Permit Bonds
- Court & Commercial Bonds
- Fast‑Track Issuance (24‑48 hr)
Company Formation
Form an LLC, S‑Corp, C‑Corp or partnership quickly and correctly. We handle filing, EIN acquisition, registered‑agent service and ongoing compliance.
- Entity selection & comparison
- State filing & EIN
- Operating agreements & bylaws
- Annual report & compliance reminders
What Our Clients Say
Real feedback from business owners, truckers, and families we've helped protect.
Protec got me set up with cargo and liability coverage in less than a day. I've dealt with a lot of agents over the years — nobody moves this fast or actually picks up the phone.
Marcus T.
Owner-Operator, Dallas TX
Meet the Team
We're a group of industry veterans, licensed agents, and business specialists who genuinely care about the people we work with.
Oscar DeLoera
Owner & Entrepreneur
Oscar is a tremendously accomplished entrepreneur and the proud owner of Protec. With years of experience in the insurance industry, he has built a reputation for exceptional service, innovative solutions, and personalized coverage plans. Under Oscar's leadership, Protec has grown into a cornerstone of the community. A visionary leader and skilled strategist, Oscar continues to set the standard for success in the competitive world of insurance.
Linda Rendon
Insurance Agent
Linda is a highly successful insurance agent known for her unparalleled kindness, dedication, and unwavering belief in others. Her clients describe her as not just an agent but a true friend and advocate. A pillar of compassion and integrity, Linda is deeply committed to helping clients safeguard their futures — measuring success by the positive impact she makes in the lives of everyone she meets.
Khristian Rendon
Insurance Agent
Khristian is an accomplished insurance agent with a book of business valued at well over a million dollars. Known for his adaptability and genuine care for clients, he navigates the complexities of insurance while offering tailored solutions. Celebrated for his empathetic approach, Khristian always prioritizes the well-being of those he serves — whether guiding families through uncertainty or helping businesses secure their futures.
Manuel Rendon
Commercial Insurance Specialist
Manuel has been with Protec for 3 years and brings over 7 years of industry experience across Health, Life, and Commercial lines. A board member for the Dallas LAAIA chapter and former LULAC National Executive Board member, Manuel was awarded the prestigious Ohtli Award by the Mexican Government in 2016. He is deeply committed to helping clients secure the best commercial auto coverage to keep their businesses running.
Frequently Asked Questions
Straight answers to the questions we hear most from truckers, business owners, and families.
We specialize in commercial trucking insurance tailored for Texas-based owner-operators and small fleets, including primary liability (meeting or exceeding FMCSA minimums of $750,000–$1M+), cargo coverage, physical damage, bobtail/non-trucking liability, and more. We help ensure compliance with brokers, shippers, and state requirements so you can focus on hauling.
FMCSA requires at least $750,000 in primary liability for most non-hazmat operations (higher for hazmat or certain loads), but most brokers and shippers demand $1 million or more, plus cargo limits starting at $100,000. We review your specific routes, loads, and authority to recommend the right coverage without overpaying.
Yes — we assist with incorporating your trucking business (e.g., forming an LLC or corporation) to protect personal assets, simplify taxes, and meet FMCSA/DOT requirements. This includes filing paperwork, obtaining EINs, and basic setup guidance to get you authority-ready faster.
Absolutely. Our double-certified expertise covers individual/family health insurance plans (including options suitable for over-the-road drivers) and home insurance. We help find affordable coverage that fits the unique needs of trucking lifestyles, like nationwide networks and flexible plans.
We typically provide personalized quotes within 24–48 hours (often faster for straightforward requests). Just share basic details about your trucks, operations, driving record, and needs — contact us below, and we'll handle the rest.
We're focused on Texas trucking communities (including Latino-owned businesses and owner-operators), offering competitive rates, fast service, and expert guidance on compliance, incorporation, and personal coverage. No high-pressure sales — just straightforward help to protect your business and family.
Ready to get covered? Fill out the form below and we'll get back to you within 24–48 hours.
Get a Free Quote
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