Coverage
Commercial Auto Insurance for Texas Contractors
If you use vehicles for your contracting business — trucks, vans, trailers, anything that hauls tools, materials, or crews — you need commercial auto insurance. Most contractors think their personal auto policy covers them. It doesn't. Personal policies typically exclude business use, which means an accident on the way to a job site could leave you completely uninsured. We see this mistake all the time.
What Commercial Auto Covers
Liability for accidents where you're at fault
Physical damage to your vehicles (collision and comprehensive)
Medical payments for you and your passengers
Uninsured/underinsured motorist coverage
Hired and non-owned auto coverage (rental vehicles, employee personal vehicles)
Cargo and equipment in transit (with endorsement)
Who Needs Commercial Auto?
Contractors who drive trucks or vans to job sites
Businesses with company-owned vehicles
Contractors who haul materials, tools, or equipment
Anyone whose personal auto policy excludes business use
Contractors with employees who drive company vehicles
Need Commercial Auto Coverage?
We shop multiple carriers to find the best rate for your business.
Common Claims Examples
A contractor's work truck rear-ends another vehicle on the way to a job site — $25,000 in damages
A van full of tools is stolen from a parking lot overnight
A trailer detaches on the highway and causes a multi-vehicle accident
An employee driving a company truck causes an accident — the business is liable
Frequently Asked Questions
Get a Commercial Auto Quote
Tell us about your business and we'll shop carriers for the best rate.
Let's get your coverage figured out.
Submit your info and we'll shop options from multiple carriers. Most quotes come back within one business day.