Commercial Auto Insurance
Commercial Auto Insurance Information
Who Should Have Commercial Auto Insurance
In Texas, understanding commercial auto insurance is crucial for any business owner using vehicles for commercial purposes. At The Valleys Insurance Brokers LLC in Austin, Texas, we provide insights into commercial auto insurance, guiding businesses through the complexities of securing the proper coverage.
Commercial auto insurance is essential for a wide range of business activities in Texas, including the following:
Companies that own and operate multiple vehicles for business purposes
- Individuals using vehicles for business purposes, including delivery vehicles and cars used for business travel, client visits or transporting goods or people for a fee
- Vehicles fitted with equipment or machinery used for business, such as hydraulic lifts or catering equipment
Personal auto policies often exclude coverage for business use of a vehicle. Commercial auto insurance may help cover liability issues, property damage and employee injuries related to commercial vehicle use.
How Much Commercial Auto Insurance Do I Need in Texas?
Texas law mandates certain minimum liability coverages for commercial vehicles. These requirements are a starting point, but additional coverage is often advisable to protect your business adequately.
Higher-value vehicles or expensive cargo necessitate higher coverage limits to ensure adequate protection in case of significant damage or loss. Businesses should consider their potential liability exposures—like transporting people or hazardous materials—which could impact the coverage needed.
Contact The Valleys Insurance Brokers LLC for a personalized commercial auto insurance quote.