The truckis thebusiness.Cover it.
Commercial auto covers liability and damage on the road for trucks, vans and trailers doing the work, and provides the certificates leasing companies and GCs require.
Your personal auto policy probably excludes business use. The day a truck full of tools and crew is in an accident is the wrong day to find that out. Commercial auto covers the vehicle, the driver and the claim.
Why contractors need commercial auto.
Liability and physical damage for trucks, vans and trailers.
Coverage for employees driving company vehicles.
Certificates for lessors, lenders and GCs.
Auto certificates issued the same day coverage is bound.
Texas commercial auto insurance: what to know
Texas commercial auto insurance is required the moment a vehicle is titled to the business or used for the work: hauling tools, crews or materials, towing a trailer, or driving to jobsites. Texas minimum liability limits (30/60/25) are far below what a GC or leasing company will accept, so most contractors carry a $1,000,000 combined single limit. Hired and non-owned auto coverage extends protection to employees driving their own trucks for the business, which is one of the most common gaps we see.
How we quote commercial auto insurance in Texas: you give us your name, phone and trade, and the details you have on revenue, payroll and any certificate deadline. We send that to the carriers that actually want your class of work, pull the options into one side-by-side summary, and call you with the number. If a GC or city needs the certificate the same day, say so on the form and we work to that deadline. At renewal we take the policy back to market instead of auto-renewing it.
Texas commercial auto insurance questions we get every week.
Do I need commercial auto if I use my truck for work?
Personal auto policies often exclude business use. If you use vehicles for your trade, hauling tools, crews or materials, you typically need commercial auto.
What does commercial auto cover?
Liability for injury and damage you cause while driving for work, plus optional physical damage coverage for your own vehicles.
Can I insure a fleet?
Yes. We cover single trucks up to fleets, and can bundle with your general liability and workers' comp.
Can I get an auto certificate fast?
Yes, often the same day once coverage is bound.
Does commercial auto cover my employees driving their own trucks?
Not by default. Hired and non-owned auto coverage adds that protection, and it's one of the most common gaps we fix for Texas contractors whose crews drive personal vehicles between jobsites.
Get a quote before the job starts.
Name and phone is enough to start. Add the details if you have them and the quote comes back faster.
(951) 800-4287