Commercial Auto Insurance

Texas businesses that use vehicles for operations face significant risks on the road, and commercial auto insurance provides essential protection for your company vehicles, drivers, and business. From single pickup trucks to large fleets, any vehicle used for business purposes needs coverage beyond personal auto policies. Your business's ability to operate depends on keeping vehicles protected and drivers covered.

Your policy covers physical damage to company vehicles from collisions, weather, theft, and vandalism. If your work truck is in an accident on I-10 or your delivery van is damaged by hail in Dallas, you're protected. Comprehensive coverage handles non-collision events like theft from your San Antonio location or windstorm damage. Given Texas's severe weather and high vehicle theft rates in urban areas, this coverage prevents business interruptions.

Liability coverage protects your business when your vehicles cause accidents that injure others or damage property. If an employee causes an accident while driving for business, your company can be held liable for significant damages. With Texas's heavy traffic and dangerous road conditions, especially around Houston, Dallas, and other urban areas, accidents are inevitable. Proper liability limits protect your business assets from lawsuits.

Medical payments coverage handles injuries to drivers and passengers in your vehicles, regardless of fault. Uninsured motorist coverage protects you from drivers without insurance—a serious problem in Texas where many drivers operate illegally. Hired and non-owned auto coverage protects you when employees use their personal vehicles for business or when you rent vehicles for company use.

Texas businesses depend on vehicles for deliveries, service calls, sales visits, and transportation of employees and equipment. A serious accident involving your company vehicle can lead to devastating lawsuits and business disruption. We help Texas business owners structure commercial auto coverage that protects vehicles, drivers, and company assets while keeping premiums manageable. Whether you run a contracting company in Fort Worth or a delivery service in the Valley, your vehicles need serious protection.