Coverage for the vehicles that move your business
From a single work truck to a full fleet, commercial auto insurance protects your vehicles, drivers, and cargo — and meets Texas requirements for business use.
Get a Free QuotePersonal auto vs. commercial auto
If you use a vehicle for business, a personal policy may not cover you in a claim. Here's how they compare.
Personal Auto
- Commuting and personal errands
- May deny claims during business use
- Lower liability limits for business risk
- No coverage for employees driving
Commercial Auto
- Covers business use and hauling
- Higher liability limits available
- Covers employees and hired drivers
- Meets Texas commercial requirements
Build the right fleet protection
Liability
Covers bodily injury and property damage your vehicles cause to others.
Collision & comprehensive
Repairs or replaces your vehicles after a crash, theft, hail, or vandalism.
Hired & non-owned
Extends coverage to rented vehicles and employees' personal cars used for work.
Uninsured motorist
Protects you when an at-fault driver has little or no insurance.
Cargo & equipment
Covers tools, goods, and cargo you transport for your business.
Umbrella add-on
Adds an extra layer of liability above your auto limits for serious claims. Learn more
Stay road-legal in Texas
Texas sets minimum liability limits for business vehicles, and commercial trucks may face additional state and federal (DOT) requirements depending on weight, cargo, and whether you cross state lines.
- We confirm you meet Texas minimum liability limits
- We help with DOT and filing needs for qualifying fleets
- We keep your certificates of insurance up to date
Requirements vary by vehicle and operation. We'll review your specifics — this page is general information, not legal advice.
Get a fast commercial auto quote
Tell us about your vehicles and drivers — we'll handle the rest. Quotes are often same-day.