Your guide to
Commercial Auto Insurance in Texas
If your business depends on a truck, van or car, a personal auto policy may not be enough. Our agency helps you understand commercial auto coverage for the vehicles, drivers and work that keep your business moving.
What it covers
Common commercial auto coverages
A commercial auto policy can protect the vehicles your business owns and your liability when you or your employees drive for work. What applies depends on the vehicles, drivers and policy.
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Liability
Helps pay for injuries to others and damage to their property when a covered driver is at fault in an accident.
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Collision
Helps pay to repair your business vehicle after a crash with another vehicle or object, regardless of fault.
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Comprehensive
Helps with damage from events other than a collision, such as theft, hail, fire, vandalism or hitting an animal.
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Uninsured and underinsured motorist
Can help if you or your drivers are hurt by a driver who has no insurance or not enough of it.
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Medical payments or PIP
Depending on the policy, can help pay medical costs for you, your drivers or passengers after an accident, regardless of fault.
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Hired and non-owned autos
Can help protect your business from liability when employees drive rented vehicles or their own cars for work.
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Why it matters
Personal and business driving are not the same
Personal auto policies may limit or exclude coverage when a vehicle is used for certain business purposes, such as making deliveries or hauling tools and equipment. If your policy does not match how the vehicle is really used, a claim could be affected.
Being clear about who drives, what the vehicles carry and where they go helps match the policy to your work. We can review your vehicles and drivers with you and explain the options.
If employees run work errands in their own cars, ask about hired and non-owned auto coverage.
Pricing
What can affect your commercial auto rate
Vehicle type and use
The size, weight and value of each vehicle, and whether it carries tools, goods or people, can affect the rate.
Drivers
Insurers often consider who drives your vehicles and their driving records.
Where and how far you drive
Where the vehicles are kept, your service area and the typical distance driven may all be factors.
Type of business
The industry you work in and how the vehicles support it can affect how an insurer views the risk.
Coverage choices
Your limits, deductibles and optional coverages generally play a part in the rate.
Claims history
Past accidents and claims involving your business vehicles may be considered.
Answers
Commercial auto questions
Straight answers to common questions. If yours is not here, call or text our agency.
It depends on how the vehicle is used, who owns it and what your personal policy allows. We can review how you use the vehicle and explain whether a commercial policy may be needed.
Commercial auto policies can cover employees you allow to drive, but insurers often want drivers listed or reviewed. Share the details of every regular driver when you review your policy.
Generally not. Tools and equipment are usually covered through a separate policy, such as a tools and equipment or inland marine policy.
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Tell us what you need
Your name, a number that reaches you, an email, and a few quick questions about the coverage you pick. Our team reviews it and calls you back.
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Next step
Let’s review your needs to find the coverage that fits you.
Request a quote online, or call or text our agency. If your current policy already fits, we will tell you that too.