Commercial Auto Insurance in Texas

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commercial auto insurance Texas Texas has over 3 million small businesses that employ almost 45% of employees in the Lone Star State.1 If you own a small business, you’ll need the right type of business insurance to keep you and your employees protected. If you depend on company vehicles for business purposes, it’s crucial to have commercial auto insurance in Texas.
 
Commercial auto insurance, also known as commercial vehicle coverage, helps cover the costs of motor vehicle accidents that occur while you or your staff use personal or company-owned cars for work. This coverage can help pay for damage to property and medical expenses resulting from a car accident, whether it’s a fender bender or a fatal accident.
 

Who Needs Commercial Vehicle Insurance in Texas?

Do you need commercial auto insurance? The answer is often yes. If your business owns any company vehicles that you or your employees use for work, you’ll need to have commercial auto insurance in Texas. If your employees use their personal vehicle for business purposes, you will also need commercial auto insurance to protect them on the job.
 
If you’re wondering “What is commercial auto insurance?” our specialists are here to help. Call us at 855-860-9763 to get a free quote from The Hartford.
 

Types of Commercial Auto Insurance in Texas

If your Texas-based small business owns any types of vehicles, like cars, pickup trucks, box trucks or commercial vans for work, you can safeguard your operations with commercial auto insurance.
 
The Hartford also offers these types of commercial vehicle insurance:
 

Box Truck Insurance

Box truck insurance is a type of commercial auto insurance that’s designed specifically for businesses that use box trucks or straight trucks for work purposes.
 

Commercial Van Insurance

Commercial van insurance is a type of commercial auto insurance that protects your company-owned vans used for business.
 

How Much Does Texas Commercial Auto Insurance Cost?

What you pay for commercial auto insurance in Texas often depends on your industry and the types of vehicles your business operates. There are also several other factors that may influence the cost of your auto insurance coverage, including:
 
  • Type of business you have
  • Type of vehicle(s) your employees drive
  • Driving records of your employees
  • Typical travel radius driven
  • Type of load the company vehicle typically carries
  • Location of your company

What Does Texas Commercial Auto Insurance Cover?

commercial vehicle insurance Texas If your business depends on any company vehicles to get the job done, you’ll need commercial car insurance to keep you and your employees protected. In Texas, commercial auto insurance policies commonly include the following coverages:
 
  • Bodily Injury Liability Insurance Coverage helps pay for the other driver’s medical expenses if you or one of your employees causes an accident.
  • Property Damage Liability Insurance Coverage pays for damage that you or your employees cause to someone else’s property.
  • Drive Other Car Coverage covers your business’ executive officers and their spouses if they drive vehicles that aren’t on your commercial auto insurance policy.
  • Collision Coverage helps pay to fix or replace your business’ car if you hit something, like another car or pole.
  • Comprehensive Coverage can help pay for car damages caused by theft, fire or natural disasters.
  • Medical Payments Coverage can help pay for medical expenses for your employees and their passengers in the event of an accident, such as medical treatments and rehabilitations, dental care or funerals.
  • Uninsured/Underinsured Motorists Coverage helps pay for you or your employees’ medical expenses or to fix your car if you’re in an accident with a driver who lacks enough liability coverage or is uninsured.
  • Hired and non-owned auto insurance offers lawsuit liability coverage if you or your employees are involved in an accident with a personal, rented or leased car that was used for business errands. However, this type of commercial vehicle insurance coverage won’t pay for damages to the personal, rented or leased car.

What Are the Commercial Auto Insurance Minimum Requirements in Texas?

In Texas, all vehicles need to have a minimum amount of auto liability insurance coverage. This minimum amount is often called 30/60/25 coverage. The minimum liability limits in Texas are the following:2
Cobertura Minimum Coverage Required
Bodily Injury Liability Coverage $30,000 per person, $60,000 per accident
Property Damage Liability Coverage $25,000 per accident
You may be required to have Personal Injury Protection (PIP), known as no-fault insurance, which helps cover medical expenses, lost wages or funeral costs after an accident, no matter who is at fault. In addition, your business or industry may require additional types of coverage. You can find out what your other insurance requirements are by checking your USDOT number with the Federal Motor Carrier Safety Administration.
 

Common Professions That Need Commercial Vehicle Insurance in Texas

There are many different types of businesses that can benefit from having commercial auto insurance in Texas. These are some of the most common industries that need commercial auto insurance:

Texas Commercial Auto Insurance FAQs

Commercial auto insurance covers your company-owned vehicles that are used for business reasons, while personal auto insurance offers coverage for your personal vehicles that are driven for personal reasons. Typically, all your employees with valid licenses would receive coverage under your commercial auto policy as additional insureds. In addition, your commercial auto policy typically offers more comprehensive coverages, like higher limits and liability coverages, than a personal auto policy.
Yes, Texas state law requires any business with company-owned vehicles used for work to have commercial auto insurance to keep its business and employees protected.
Yes, if you own or operate a for-profit business, you can deduct your insurance premiums from your taxes. If you own a commercial vehicle for strictly business-related driving, you can deduct the entire cost of the insurance premium. If you use a vehicle for both personal and business reasons, you can only deduct a prorated portion of your premium cost.
Commercial auto insurance is a type of business insurance that can help cover the costs of repairs and medical expenses if you or one of your employees get into an auto accident, regardless of who is at fault. A commercial auto policy can help if your employee is driving to a job site in a company vehicle, hits another car and totals it. With commercial auto insurance, your business will be financially protected from costly claims, like property damage and bodily injury.
Commercial auto insurance covers the business owner and any employees with valid drivers’ licenses who drive your company-owned vehicles for work purposes. Your family members are typically not covered under your commercial vehicle insurance policy unless they are employees of your business or they have your permission as the insured to use the vehicle.
Tools and materials inside your company’s insured vehicle aren’t covered under your commercial auto policy. You can get coverage to protect your business’ physical assets, like your tools and equipment, with a Business Owner’s Policy (BOP) de The Hartford.
 

Get a Fast and Free Quote for Texas Commercial Auto Insurance

We’re an insurance company with more than 200 years of experience. We know that your small business faces unique risks, so it’s important to be prepared when something unexpected happens. That’s why we make it easy for you to get a fast and free quote for commercial auto insurance in Texas. Call 855-860-9763 to get a quote for commercial auto insurance today.

Choose The Hartford for Commercial Car Insurance

Customized Coverages

All business owners face unique risks. We can work to customize policies to help meet the specific needs of your business.

Superior Claims Experience

Our experienced claims specialists are ready to help expedite a claim to get you back on the road – and back to business.

Expanded Protections

Our commercial auto insurance offers extra protection for your business at no additional cost.
 
 
Última actualización: 8 de septiembre de 2023
 
1 U.S. Small Business Administration, “2022 Small Business Profile: Texas.”
 
2 Texas Department of Insurance, “Automobile Insurance Guide.”
 
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