Commercial Auto Insurance in Texas
Who Needs Commercial Auto Insurance?
If your vehicles are used for work, you need commercial auto coverage. A contractor’s truck hauling tools, a service van, or even a car used for regular client visits—all require commercial auto insurance. Personal policies generally won’t cover business use.
Coverage Details
Commercial auto policies can include:
01.
Liability coverage (required in Texas)
02.
Collision and comprehensive coverage for your vehicles
03.
Hired and non-owned auto coverage for rentals or employee cars
04.
Medical payments and uninsured motorist protection
Contractors often benefit from coverage tailored for hauling equipment and driving to multiple job sites.
Texas Requirements & Recommendations
Texas law requires minimum auto liability limits (currently 30/60/25), but businesses should carry higher limits due to increased exposure. An umbrella policy can extend liability protection beyond the auto policy limits.
Managing Fleet or Multiple Vehicles
Ironwood Insurance helps businesses cover everything from a single work truck to a growing fleet. Adding drivers and vehicles is simple, and larger fleets may qualify for discounts.
Protect Your Drive – Get a Quote
From contractors in Waco to service companies across Central Texas, Ironwood Insurance makes sure your business vehicles are properly covered.
Frequently Asked Questions About Commercial Auto Insurance in Texas
Do I need commercial auto insurance if I use my personal car for work?
If you’re regularly driving for business—hauling equipment, making deliveries, or visiting job sites—your personal policy may not cover accidents. A commercial policy is recommended.
What vehicles can be covered under commercial auto insurance?
Coverage can include trucks, vans, cars, service vehicles, and even fleets.
What are Texas’ minimum auto liability limits?
Currently 30/60/25, but most businesses need higher limits to protect against lawsuits and large claims.