Commercial Auto Insurance in Central Texas
From work trucks and service vans to pickups and commercial vehicles, HC Premier helps Central Texas businesses find commercial auto insurance built around how their vehicles are actually used. As an independent insurance agency, we compare coverage from multiple insurance companies to help protect your vehicles, drivers, and business.
What Does Commercial Auto Insurance Cover?
Commercial auto insurance helps protect vehicles used for business purposes. Depending on your policy, coverage may help protect your vehicles, drivers, passengers, and your business when an accident or other covered loss occurs.
Liability Coverage
Helps protect your business when a covered driver causes bodily injury or property damage to others.
Collision Coverage
Helps pay for damage to an insured business vehicle resulting from a covered collision.
Comprehensive Coverage
Helps protect insured vehicles from covered losses such as theft, vandalism, hail, fire, and other non-collision damage.
Uninsured & Underinsured Motorist
May help protect you and your drivers when an at-fault driver has little or no insurance.
Medical Payments & PIP
Coverage may help with eligible medical expenses for drivers and passengers after a covered accident.
Hired & Non-Owned Auto
May provide liability protection when employees use rented or personal vehicles for certain business purposes.
Who Needs Commercial Auto Insurance?
If you use a vehicle to run your business, haul equipment, visit customers, make deliveries, or travel between jobsites, a personal auto policy may not provide the coverage your business needs. Commercial auto insurance is designed for vehicles used primarily for business purposes.
✓ Contractors & Trades
✓ Landscapers & Lawn Services
✓ Electricians & Plumbers
✓ HVAC & Service Companies
✓ Construction Companies
✓ Retail & Delivery Businesses
✓ Farms & Ranches
✓ Local & Family-Owned Businesses
Do I Need Commercial Auto Insurance if I Have Personal Auto Insurance?
Personal auto insurance is generally designed for personal driving, while commercial auto insurance is designed for vehicles used for business purposes. If you regularly use a vehicle to haul tools or equipment, visit jobsites, make deliveries, transport customers, or perform other business activities, your personal auto policy may not provide the coverage you need.
The right policy depends on how the vehicle is owned, who drives it, and how it is used. HC Premier can help review your situation and compare commercial auto insurance options from multiple insurance companies.
Commercial Auto Insurance FAQs
Answers to common questions Central Texas business owners ask about commercial auto insurance.
What vehicles can be covered by commercial auto insurance?
Commercial auto insurance can cover many vehicles used for business, including work trucks, pickups, vans, cars, and certain trailers. Eligibility and coverage depend on the vehicle, how it is used, who drives it, and the insurance company.
Is commercial auto insurance required in Texas?
Texas requires vehicles operated on public roads to meet the state's minimum liability insurance requirements. Businesses may need commercial auto insurance when vehicles are owned or used by the business, and contracts or customers may require higher liability limits.
Can my employees drive my commercial vehicles?
Employees may be able to drive insured business vehicles if they meet the insurance company's driver requirements and are properly listed or otherwise covered under the policy. Driver eligibility can depend on factors such as driving history, age, licensing, and vehicle use.
Does commercial auto insurance cover trailers and equipment?
Commercial auto insurance may provide certain liability or physical damage coverage for eligible trailers, but tools, equipment, and property being transported may require separate inland marine or equipment coverage. HC Premier can help identify where additional coverage may be needed.
Can I insure multiple work vehicles on one policy?
Yes. Many commercial auto policies can insure multiple eligible business vehicles under one policy. This can include different types of vehicles such as pickups, work trucks, vans, and other vehicles used in your business.