RoadMasters Insurance

What RoadMasters Insurance does

RoadMasters Insurance is a privately held commercial truck insurance brokerage headquartered in Pharr, Texas, operating under the legal entity HG Companies & Assurance LLC. Founded in 2010, the firm specializes in placing commercial trucking insurance policies for owner-operators and fleet operators across nine Texas cities in the Rio Grande Valley and along the US/Mexico border, including Laredo, El Paso, Brownsville, Harlingen, Roma, Rio Grande City, Eagle Pass, and Del Rio. The company offers a comprehensive product set covering the standard commercial auto lines — liability (bodily injury and property damage), medical/personal injury, uninsured motorist, collision, and comprehensive — augmented by specialized add-ons such as reefer breakdown, motor-truck cargo, bobtail, non-trucking liability, occupational accident, cross-border US/Mexico, new venture, and downtime coverage, plus a combined deductibles feature.

The business model is a standard insurance brokerage: RoadMasters accesses multiple carrier relationships to shop policies on behalf of customers and earns commissions on placed premiums, with billing on an annual cadence. Pricing is fully customized based on radius of operation, years in business, vehicle type, and coverage selections, and the company claims an average $3,000 per-truck savings versus alternative quotes. Go-to-market is predominantly inside sales driven by a toll-free phone line (888-633-1718), a quote-request website (roadmastersins.com) with bilingual English/Spanish support, and an SEO-oriented industry blog. The firm has 11-50 employees, no disclosed external funding, no parent company, and no institutional investors, operating as an independent regional brokerage serving the Texas commercial trucking market.

Name

RoadMasters Insurance

Legal name

HG Companies & Assurance LLC

Website

https://roadmastersins.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

11–50 employees

Short description

RoadMasters Insurance is a privately held Texas-based commercial truck insurance brokerage, founded in 2010, serving owner-operators and fleet operators across nine Rio Grande Valley and border cities with liability, cargo, reefer, and cross-border coverages.

Ownership category

akta.pro rank

Product category

Commercial Truck Insurance

NAICS

Insurance Agencies and Brokerages (524210), Direct Property and Casualty Insurance Carriers (524126)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Commercial Auto & Fleet Liability Insurance (Primary) (TLABANAA)

akta.pro secondary industries

Fleet & Commercial Auto Liability (FSAJABAA), Non-Trucking Liability / Bobtail (FSAJABAD), Non-Owned Auto Liability (Employee/Contractor Use) (TLABANAC)

Keywords

• Commercial truck insurance
• Commercial vehicle insurance
• Trucking liability coverage
• Cargo insurance
• Fleet insurance services

Headquarters

HQ city

Pharr

HQ country

United States

HQ region

North America

Offices9 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Commercial Truck Insurance Brokerage: RoadMasters Insurance operates as an insurance broker/brokerage earning commissions from insurance carriers for placing commercial truck insurance policies. They provide access to multiple insurance products and carriers, offering customized coverage options for trucking operations. Revenue is generated through insurance premiums paid by customers, with RoadMasters serving as the intermediary.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

RoadMasters Insurance is a commercial truck insurance broker that places liability, physical damage, cargo, and specialized trucking coverages with multiple insurance carriers on behalf of Texas-based trucking businesses. The company serves owner-operators through multi-truck fleets with customized policies covering box trucks, flatbeds, semis, refrigerated trailers, and other commercial vehicles, with quotes available within 24 hours. It also offers specialized coverages such as reefer breakdown, cross-border US/Mexico, new venture, downtime, and bobtail policies.

Product overview

RoadMasters Insurance offers a comprehensive commercial truck insurance platform providing specialized coverage for trucking operations of all sizes, from single-truck owner-operators to multi-truck fleets. The core product is Commercial Truck Insurance, which includes fundamental coverage types: Liability Coverage (bodily injury and property damage), Medical and Personal Injury Coverage, Uninsured Motorist Coverage, Comprehensive Coverage, and Collision Coverage. These are supplemented by specialized add-on modules including Reefer Breakdown Coverage for refrigerated trucks, Motor-Truck Cargo Insurance, Bobtail Coverage, Non-Trucking Liability Insurance, Occupational Accident Insurance, Cross-Border Insurance for US/Mexico operations, New Venture Trucking Insurance for startup businesses, Downtime Insurance, and Combined Deductibles. The company covers a wide range of commercial vehicle types including box trucks, flatbed trucks, straight trucks, dry van trailers, truck tractors, semi trucks, refrigerated trailers, and flatbed trailers.

Differentiator

Problem solved

Functional benefit

Products and services

• Commercial Truck Insurance Core commercial truck insurance product offering comprehensive coverage for trucking operations including liability (bodily injury and property damage), medical and personal injury, uninsured motorist, comprehensive, and collision protection for box trucks, flatbed trucks, straight trucks, dry van trailers, truck tractors, semi trucks, refrigerated trailers, and flatbed trailers. Targeted at Texas-based trucking businesses from single-truck owner-operators to multi-truck fleets.
• Reefer Breakdown Coverage Specialized coverage for refrigerated trucks (reefers) protecting against cargo spoilage due to mechanical or equipment failure, accident damage, or refrigeration unit breakdown. Designed for refrigerated trucking operators.
• Cross-Border Insurance Insurance coverage for carriers transporting cargo across the US/Mexico border, providing protection throughout the entirety of cross-border trips. Built for cross-border trucking operators along the Texas-Mexico border.
• New Venture Trucking Insurance Insurance coverage designed specifically for new trucking businesses that may face challenges obtaining coverage due to insurers' reluctance to cover inexperienced ventures. Targets startup trucking companies in Texas.
• Downtime Insurance Coverage protecting against losses incurred while a truck is out of commission due to an accident, covering lost income, towing expenses, and rental truck costs. Aimed at trucking operators seeking to mitigate income loss during vehicle downtime.
• Motor-Truck Cargo Insurance Coverage protecting against loss or damage to cargo being transported by truck. Targeted at for-hire trucking operators carrying third-party cargo.
• Non-Trucking Liability Insurance Coverage protecting against accidents when a commercial vehicle is being used for personal purposes rather than for-hire work. Designed for owner-operators and leased drivers.
• Occupational Accident Insurance Coverage providing worker's compensation to employees injured while on the job. Built for trucking employers, especially those using owner-operator or leased-driver models.
• Bobtail Coverage Coverage protecting commercial trucks when operated without a trailer, such as during personal use or when driving back after unloading cargo. Targeted at owner-operators and leased drivers.

Quantifiable outcome

• Save an average of $3,000 per truck on insurance premiums
• +1 more outcomes

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Emerging players

• HaulRisk Insurance Brokers: Niche commercial trucking insurance broker focused on owner-operators and small fleets. Directly comparable specialty broker model targeting similar trucking insurance customers as RoadMasters.

Broad incumbents

• Canal Insurance: Specialty commercial truck insurance carrier with strong regional/Mid-South and Southeast footprint. Comparable products and trucking-only specialization, similar risk appetite to the specialty lines RoadMasters offers.
• Northland Insurance: Commercial trucking insurance carrier serving fleet and owner-operator customers. Comparable line of business with overlapping products including bobtail, non-trucking liability, and motor truck cargo - lines RoadMasters also brokers.
• Progressive Commercial: Large national direct writer of commercial truck insurance with broad carrier access. Comparable to RoadMasters as a competing channel for commercial truck coverage, though it operates at massive scale via direct online/phone channels rather than as a regional broker.
• Sentry Insurance: Major mutual insurer offering commercial transportation and trucking coverage. Comparable target market (trucking businesses of all sizes) and product set to RoadMasters, scaled across a much wider geographic footprint.
• Berkshire Hathaway (National Indemnity commercial auto): Specialty commercial auto and excess casualty insurer writing through select brokers. Comparable as a counterparty carrier relationship and competitor for commercial fleet placement in Texas.
• Great West Casualty Company: Nationwide commercial trucking insurance carrier specializing in trucking risks. Comparable because it underwrites the same types of policies (liability, cargo, physical damage) that RoadMasters brokers, though it is a carrier rather than a brokerage.
• Travelers Commercial Trucking: National carrier offering commercial truck insurance and fleet coverage through agents and brokers. Comparable business line and customer base; competes with RoadMasters for commercial truck accounts in Texas.

Direct peers

• TrueNorth Companies (commercial transportation practice): Regional insurance brokerage with a commercial trucking transportation practice serving owner-operators and fleets. Comparable broker model with similar mid-market trucking focus and carrier-agnostic placement approach.
• Owner-Operator Independent Drivers Association (OOIDA): Trade association that also offers and arranges commercial truck insurance products for owner-operators and small fleets. Highly comparable to RoadMasters because both target single-truck to mid-fleet operators with specialized trucking coverage and emphasize tailored service over mass-market placement.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/roadmastersins
• Facebookfacebook.com/roadmastersinsurance
• LinkedInlinkedin.com/company/roadmasters-insurance

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about RoadMasters Insurance