Commercial Auto Insurance in Texas

Think your personal auto policy covers the truck you use for job sites, or the sedan you drive to client meetings? Most personal auto policies exclude business use entirely, which means a routine fender bender on a work errand could leave you paying out of pocket for repairs, medical bills, and legal fees.

Who Needs Commercial Auto Insurance in Friendswood, TX

If your business owns, leases, or titles a vehicle, whether it is a single work van or a small fleet of service trucks, you need a commercial auto policy. This applies to contractors hauling equipment, delivery drivers, and any business where employees regularly drive a company-owned vehicle for work.

What if employees use their own cars for work? A separate coverage called hired and non-owned auto insurance (HNOA) protects your business when an employee runs a work errand, makes a delivery, or drives to a client meeting in their personal vehicle. Their personal policy stays primary, but HNOA fills the gap if it does not fully cover a work-related claim.

What a Commercial Auto Policy Covers

• Liability coverage for injuries or property damage you cause while driving for business
• Collision and comprehensive coverage for your company vehicles
• Medical payments coverage for you and your passengers
• Uninsured and underinsured motorist coverage
• Hired and non-owned auto coverage for employees who drive personal or rented vehicles for work

Commercial auto pairs well with general liability and workers' compensation coverage to protect your business from every angle, on the road and on the job.