Commercial Auto Insurance Coverage in Texas
Commercial auto insurance is crucial for Texas businesses that rely on vehicles for daily operations. Whether you own a single work truck or manage an entire fleet, this coverage protects both your business and employees from costly financial risks.
Liability Coverage
Like personal auto insurance, Texas commercial policies include liability coverage, which is legally required. This pays for bodily injury and property damage caused to others if your employee or business vehicle is at fault in an accident. Texas law requires minimum liability limits of 30/60/25, but businesses often choose higher limits to better protect against lawsuits and large claims.
Collision Coverage
Commercial auto policies typically include collision coverage, which pays to restore or replace your business vehicle if it’s damaged in an accident—regardless of fault. This is especially essential for businesses that depend on vehicles for income, as downtime can disrupt operations.
Comprehensive Coverage
Comprehensive insurance protects against non-collision events like theft, fire, vandalism, or storm damage. In Texas, where hailstorms and severe weather are common, this coverage is critical to safeguard company vehicles from costly repairs.
Uninsured/Underinsured Motorist Protection
Not all Texas drivers carry adequate insurance. If your business vehicle is hit by an uninsured or underinsured driver, this coverage helps pay for damages and medical costs that would otherwise fall on your business.
Medical Payments Coverage
Commercial auto insurance can also include medical payments coverage or personal injury protection (PIP). This pays for medical expenses for drivers and passengers in your business vehicles, regardless of who is at fault.
Specialized Business Needs
Commercial auto policies are flexible and can be tailored to industry-specific risks. Coverage options may include:
- Hired and non-owned auto insurance for employees using personal cars for work.
- Coverage for equipment and tools transported in company vehicles.
- Rental reimbursement if a business vehicle is out of service.
Conclusion
In Texas, commercial auto insurance covers more than just liability—it provides comprehensive protection for accidents, theft, severe weather, medical expenses, and uninsured drivers. With customizable options, businesses can secure the coverage they need to keep operations running smoothly and protect valuable assets.