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Commercial Auto Insurance

What is Commercial Auto Insurance?

Commercial Auto Insurance protects vehicles used for business purposes—cars, trucks, vans, and more, while keeping your business financially secure. It covers liability for accidents, vehicle damage, and may include medical expenses or lost income for you or your employees. This coverage ensures your business assets are protected no matter what happens on the road.

What Does Commercial Auto Insurance Cover?

A typical Texas commercial auto policy includes:

  • Liability Coverage – Pays for property damage or injuries caused to others.
  • Collision Coverage – Covers damage to your vehicles from crashes.
  • Comprehensive Coverage – Protects against theft, fire, storms, and vandalism.
  • Medical Payments – Covers medical costs for drivers and passengers.
  • Lost Income – Reimburses earnings lost due to accident-related downtime.

Why Commercial Auto Insurance Matters in Texas

Texas businesses rely on vehicles every day—whether for deliveries, service calls, or transporting equipment. From busy highways to unpredictable weather, accidents can happen anytime. Commercial auto insurance protects your company from costly repairs, lawsuits, and downtime, so you can keep your business moving forward.

Local Expertise You Can Trust

At MCN Multiservices, we serve businesses across Texas. Our agents understand state-specific commercial auto requirements and industry risks. Whether you operate a single work truck or a fleet of vehicles, we’ll help you find the right coverage for your business.

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What Makes Our Commercial Auto Insurance Different?

Texas-Specific Expertise

We know the laws and liability requirements for Texas businesses.

Flexible Policy Options

Customize coverage for your vehicles, drivers, and operations.

Affordable Premiums

Competitive rates for small businesses and large fleets.

Bilingual Service

Hablamos español, serving Texas’s diverse communities with clarity and care.

Commercial Auto Insurance Tips for Texas Businesses

  • Bundle Policies – Combine commercial auto with general liability or property insurance for discounts.
  • Review Driver Records – Good driving histories can lower premiums.
  • Install GPS and Safety Devices – Reduce risk and qualify for discounts.
  • Update Coverage Annually – Adjust policies as your fleet or business grows.

Ready to Protect Your Business Vehicles?

Contact MCN Multiservices today for a free commercial auto insurance quote in Texas. Our licensed agents will help you compare policies, understand coverage options, and get insured fast—so you can focus on running your business.

Frequently Asked Questions

Who needs commercial auto insurance?

You need commercial auto insurance if your business uses vehicles for deliveries, services, or transporting goods, tools, or equipment. It’s also essential if you have employees driving company vehicles or operate a fleet of trucks for business use. This makes commercial auto insurance the right choice for those who need commercial auto insurance, business vehicle insurance in Texas, and contractor truck insurance coverage.

Commercial auto insurance is designed for vehicles used for business purposes. It provides higher liability limits and coverage for multiple drivers, cargo, and specialized vehicles, unlike personal auto insurance, which generally excludes business use. Understanding the differences between commercial vs personal auto insurance clarifies why business car insurance differs from personal policies.

Yes. Texas law requires all vehicles, including business vehicles, to carry minimum liability coverage: $30,000 per person for bodily injury, $60,000 per accident, and $25,000 for property damage. Businesses often need higher limits or additional coverage depending on their operations. This ensures compliance with commercial auto insurance Texas requirements and business vehicle liability limits.

Premiums for commercial auto insurance depend on the type and number of vehicles, the business industry, vehicle usage, employee driving records, and coverage limits. On average, business owners in Texas pay $1,200 to $2,500 per vehicle annually. This reflects commercial auto insurance costs in Texas, business vehicle insurance rates, and affordable truck insurance options.

Yes, but you must add a commercial endorsement or switch to a commercial auto policy. Using a personal vehicle for business without proper coverage can lead to denied claims. This is relevant for insuring a personal vehicle for business, commercial use car insurance, and a business use auto policy.

Yes. Commercial auto insurance can cover multiple drivers, including employees who operate company vehicles. All authorized drivers must be listed on the policy to ensure employee driver insurance, business vehicle driver coverage, and proper commercial auto policy protection for staff.

Absolutely! Many insurers offer business insurance bundles that include commercial auto, general liability, property insurance, and workers’ compensation. Bundling can save money and simplify management, making commercial auto insurance bundles, business insurance packages, and multi-policy discounts a smart choice.

To file a claim, report the accident to your insurer immediately, document the damage with photos and incident reports, submit the claim form and supporting documents, and cooperate with the claims adjuster for inspection and resolution. Following this commercial auto claim process ensures you know how to file a business vehicle insurance claim and a truck insurance claim efficiently.

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We’re here to help with any questions or needs. Connect with our team for personalized assistance and expert guidance on the coverage that fits you best.