Your business relies on its vehicles every day. Protect your fleet, your drivers, and your bottom line with comprehensive commercial auto insurance tailored to your specific operations.
Core Coverages
Auto Liability
- What it does: Protects your business if you or an employee causes an accident.
- What it covers: It pays for bodily injury to others and property damage to other vehicles or structures, defending your business even in cases of alleged negligence.
Collision Coverage
- What it does: Fixes your own business vehicles after a crash.
- What it covers: Pays to repair or replace your company vehicle if it damages another object, rolls over, or is declared a total loss.
Comprehensive Coverage
- What it does: Protects your vehicles from non-collision incidents.
- What it covers: Repairs or replaces your vehicle if it is damaged by severe storms, hail, theft, fire, vandalism, or hitting an animal.
Uninsured & Underinsured Motorist
- What it does: Steps in when the at-fault driver cannot pay.
- What it covers: Pays for medical bills and injuries if your vehicle is hit by a driver who has no insurance or insufficient policy limits.
Medical Payments & Personal Injury Protection (PIP)
- What it does: Takes care of your team immediately after a collision.
- What it covers: Assists with medical bills, ambulance fees, lost wages, or funeral expenses for you or your employees, regardless of who caused the accident.
Standard Business Policy Enhancements
A robust commercial policy often bundles critical built-in protections. We can include the following standard extensions to keep your operations seamless:
- Lease & Loan Gap: Pays the difference between the vehicle’s actual cash value and your remaining loan/lease balance if it is totaled.
- Blanket Additional Insured: Automatically extends liability protection to your clients or partners when required by a contract.
- Blanket Waiver of Subrogation: Prevents our insurance company from seeking recovery from your clients after paying a claim.
- Broadened Insured: Expands the definition of who is considered an “insured” under your policy for added legal peace of mind.
- Temporary Substitute & Leased Vehicles: Extends your physical damage and liability coverage to temporary rentals or loaner vehicles.
- Collision Deductible Waiver: Waives your deductible if you are involved in an accident with another vehicle insured by the same company.
- Broad Supplementary Payments: Covers additional emergency expenses, bonds, or loss of earnings during claim investigations.
- Fellow Employee Coverage: Protects employees if they accidentally injure a coworker while operating a company vehicle.
- Glass Repair Deductible Waiver: Covers the full cost of windshield chip repairs without requiring you to pay a deductible.
Optional Coverages for Maximum Protection
Hired Auto Coverage
Extends liability and physical damage protection to commercial vehicles your business rents or borrows on a short-term basis.
Non-Owned Auto Liability
Protects your business from costly lawsuits if an employee uses their personal vehicle for company errands or operations and causes an accident.
Rental Reimbursement
Reimburses the cost of renting a temporary replacement commercial vehicle while your primary business vehicle is in the shop for covered repairs.
Towing & Labor Costs
Provides peace of mind on the road by reimbursing roadside assistance, emergency towing, tire changes, and battery jumpstarts.
Stay Compliant & Safe
Commercial trucking and business fleet requirements vary. To review local commercial driver regulations, safety metrics, and state compliance laws, visit the
Texas Department of Transportation.
Secure Your Fleet Today
Do not wait for an accident to find out if your business is properly protected. Contact Our Insurance Experts Today for a free, customized commercial auto quote!
