Auto Insurance for Business Vehicles

        Business Auto Liability coverage (or Financial Responsibility) is a legal requirement for vehicle owners in Texas.  A Business Auto policy protects your business from many of the risks of owning and operating commercial vehicles.
 
Jobsite Insurance Requirements? - We can help you meet the business auto insurance requirements and get you the insurance certificate you need to work.
 
TxDOT Filing Requirement? - You need the right insurance to get on the road. We can help you meet the Texas Department of Transportation insurance requirements for you business vehicle's state required filing. 

Why we're different from the other online business insurance sites:

• Quotes Quick - We do our best to expedite your quote.
• Service After the Sale - Local friendly service for over 30 years.
• Knowledgeable Help - We help you understand your insurance choices.
• Broad Range - We offer a wide range of business insurance programs.
• Walk-in Service Available - Visit us at our South Austin office - Map, Directions and Contact Information
        

Ready to Start a Business Auto Insurance Quote?

Business Auto Insurance Coverage Options

DRIVING YOUR BUSINESS

Don’t let your business vehicles drive you crazy! Why a commercial auto policy helps your succeed.

Liability - Provides protection for your business up to your limits for auto accidents that are your driver's fault and that cause injuries or damage to others.

Uninsured / Underinsured Motorist - Provides protection up to your limits for injuries or damage caused to your business auto in an auto accident caused by another driver without auto insurance or with inadequate auto insurance, or, who drives away (hit-and-run).
 
Medical / Personal Injury Protection - Provides funds for medical bills for your driver and your passengers if injured in an accident while in your business auto up to your limit. Personal Injury Protection includes both medical bills and lost wages.
 
Comprehensive (Other than Collision) - Protects the value of the commercial vehicle from damage caused by events other than collision.  Examples: stolen vehicle, storm damage, wildlife collision and vandalism.
 
Specified Causes of Loss - Typically more restrictive coverage than Comprehensive, it protects the value of your business vehicle from damage from specific types of events.
 
Collision - Protects the value of the business auto from damage caused in an auto accident.

Special Issues for Commercial Auto Insurance

Combined Single Limit - A single amount of auto liability insurance protection for your business. It has the advantage of more flexible protection than the "split" limits offered on most personal auto insurance policies.

Installed Equipment - Some business jobs require special equipment installed on your commercial vehicle. This can add substantially to the value of the work truck. Be sure that your insurance policy is including this additional risk.
 
Insurance Certificates - Jobsites may require that your business prove insurance coverage. A commercial insurance policy can provide this proof with a Certificate of Insurance that will show your limits and scope of coverage and the insurance company.
 
Employees as Drivers - Your business is at risk anytime your commercial vehicles are operated. A motor vehicle record (MVR) that lists any violations for the prospective driver is a basic part of a driver screening process. Larger vehicles and specialized vehicles often require a driver with a Commercial Driver's license. A business owner is also at risk for injuries of drivers in their employment and having a Worker's Compensation policy can be important protection. See also essay: Why Work Comp?
 
State Filing Requirement - Large business vehicles (over 26,000 gross vehicle weight) and other specialized vehicles like tow trucks are regulated by the Texas State Department of Transportation and have specific requirements for insurance. TXDot filing information and application can be found at their website - http://www.dot.state.tx.us

Additional Resources

Driving Your Business