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Commercial Auto Insurance

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Commercial Auto Insurance is an insurance policy designed for your vehicles that are used for commercial use. These policies usually cover vehicles that can not be insured with a personal auto insurance policy because your business own the vehicle or because it is used for business purposes.


TexPro Insurance partners with Texas’ top carriers for Commercial Auto Insurance. We can help guide you through coverages and shop competing carriers to ensure the best fit. Contact us today!



Do I need Commercial Auto Insurance?

If you are driving a vehicle in the state of Texas for business, then you might need to purchase a commercial auto insurance policy. If you are operating a vehicle for business, your personal auto insurance policy may not cover you for a related claim. Commercial insurance is designed to cover claims while using for business operations.


You may need a commercial auto insurance policy if:

  • You or your business own, rent, or lease vehicles

  • You have employees use their own vehicles for business

  • You have employees who drive company vehicles

  • You have employees who lease, rent, or own company vehicles


Factors for determining price?

  • How many vehicles

  • Type of Vehicle

  • Business Operations

  • Who is listed as a driver

  • Level of coverage


Many other standard factors come in to play such as:

  • Location

  • Loss History/Claims/Accidents


What does commercial auto insurance cover?

  • Bodily Injury

  • Property Damage liability

  • Collision coverage

  • comprehensive coverage

  • Medical Expenses or Personal Injury

  • Uninsured/underinsured coverage

*The only two coverages required in Texas are bodily injury and property damage. At TexPro we always advise other essential options.

Commercial Auto Insurance Requirements in Texas:

Texas has a minimum level of insurance required:

• $30000 bodily injury liability per person.

  • $60000 bodily injury liability per accident.

  • $25000 property damage per accident.

At TexPro Insurance, we never advise anyone to have the minimums. In addition, most carriers will not consider lower limits.

Hired & Non-Owned Auto Insurance

HNOA is an endorsement that can be added on to your business policy that can help pay for damages caused by the cars your business uses but doesn't own. This optional feature helps to cover your business's liability for accidents that occur while driving leased vehicles, rentals, and employee-owned cars for company errands.


Most Commercial policies don't cover claims when the accident involves the below:

  • An employee runs an errand for your business in their personal vehicle.

  • A limo you hired for an important client.

  • A car you rent for your sales team.

*Hired & Non-Owned Auto Insurance can help protect your business in these unique situations.

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