If you or your employees drive for the business, hauling tools, making deliveries, visiting job sites, a personal auto policy usually won’t cover a claim. Commercial auto insures the vehicles, drivers, and cargo your business depends on, with higher liability limits suited to business risk. Whether it’s a single work truck or a growing fleet, we shop carriers and structure coverage that keeps your operation rolling.
Who this is for
Contractors & trades
Work trucks and vans carrying tools, materials, and crews.
Delivery & service
Vehicles making deliveries or service calls all day.
Fleets
Multiple vehicles and drivers under one managed policy.
What it covers
- Liability (bodily injury & property damage)
- Collision & comprehensive
- Hired & non-owned auto
- Medical payments & uninsured motorist
- Cargo and equipment options
- Fleet management and discounts
When your personal auto policy won’t cover you
This is the gap that catches small businesses off guard: personal auto policies exclude or limit business use. If you’re hauling tools to a job, making deliveries, or visiting clients and you have an accident, your personal insurer can deny the claim, leaving you to pay for the other vehicle, the injuries, and your own truck out of pocket.
Commercial auto closes that gap with coverage built for business driving and the higher liability limits business risk demands. If a vehicle earns money for you, it generally belongs on a commercial policy.
Hired & non-owned auto, an easy gap to miss
Even if your business doesn’t own a single vehicle, you can still be liable for one. The moment an employee runs a work errand in their own car, or you rent a truck for a job, your business is exposed. Hired and non-owned auto (HNOA) coverage protects you from liability arising out of those vehicles. We add it wherever employees drive personal or rented vehicles for work.
One work truck or a whole fleet
Commercial auto scales with you. We write a single owner-operated work truck just as readily as a multi-vehicle fleet, and as you grow we help with fleet management, driver considerations, and the discounts that come with insuring multiple vehicles together. For trucking and haulers, we can add motor truck cargo and meet filing requirements, see our transport insurance page.
How much does commercial auto insurance cost in Texas?
There’s no single sticker price, commercial auto is rated on your vehicles, how they’re used, your drivers’ records, the liability limits you choose, and your claims history. As a rough guide, many Texas small businesses with a light vehicle such as a sedan, pickup, SUV, or van land in the low-to-mid hundreds of dollars per month per vehicle, while heavier or higher-exposure vehicles, box trucks, tow trucks, and the like, run meaningfully more. Texas tends to price a bit above the national average, so local quotes matter.
Because we’re an independent agency, we don’t quote one company, we shop multiple carriers and compare them side by side to find the right fit for your operation, whether you run a construction truck, an auto-service vehicle, or a trucking fleet. The few dollars a month a commercial policy costs is almost always smaller than a single denied claim. Get a quote to see your real number.