Driving Your Business Forward: Commercial Auto Insurance in Texas
For many businesses in Texas, vehicles are more than transportation. They’re part of the job. Whether you’re hauling tools in a truck, making deliveries in a van, or meeting clients in your car, being on the road comes with risk. And while you already insure your personal vehicle, business use requires something different. Commercial auto insurance is built to protect your company when your business vehicles are involved in an accident. At Rollo Insurance, we’re here to help Texas businesses find the right protection for the vehicles they rely on every day.
What Is Commercial Auto Insurance?
Think of commercial auto insurance like personal car insurance, but made for work vehicles. It protects your business from financial loss when a vehicle used for business causes or is involved in an accident.
Here’s what it typically covers:
- Liability Coverage: If your business vehicle causes an accident, this helps pay for damage to others’ property or injuries they suffer.
- Collision Coverage: Helps pay to repair or replace your business vehicle if it hits another car or object.
- Comprehensive Coverage: Covers damage from theft, vandalism, fire, or weather events like hail, which we see a lot of in Texas.
- Medical Payments or Personal Injury Protection: Pays for medical bills for you and your passengers after an accident, no matter who was at fault.
- Uninsured or Underinsured Motorist Coverage: Helps protect you if another driver with too little or no insurance crashes into your business vehicle.
While the types of coverage may look familiar, commercial auto policies are written differently than personal ones. A Rollo agent can walk you through the options to make sure your policy fits your business and the way your vehicles are used.
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When Do You Need Commercial Auto Insurance?
You need commercial auto insurance when a vehicle is primarily used for business purposes. Personal auto policies usually do not cover business use, and claims can be denied if the use falls outside the scope of your personal policy.
Here are some common signs you need a commercial policy:
- Vehicle Ownership: If your business owns, leases, or rents the vehicle, the business should be listed as the insured party. This avoids complications if you need to file a claim.
- Type of Driving:
- Hauling tools or equipment to job sites
- Delivering goods or materials
- Transporting passengers for a fee
- Visiting clients or making sales calls
- Operating food trucks, tow trucks, or other specialty vehicles
- Who Is Driving:
- If employees drive for work, whether in company vehicles or their own
- If your team regularly uses personal cars for business, you may need "Hired and Non-Owned Auto" coverage as part of your policy
- Vehicle Size and Weight: Heavier or specialty vehicles often require a commercial policy due to higher risks and costs.
A Rollo Insurance agent will ask about how your vehicles are used, who is behind the wheel, and what kind of work they support. That helps us match you with the right coverage from the start.
Does Commercial Auto Insurance Cost More?
In most cases, yes. Commercial auto insurance tends to cost more than personal coverage, and here’s why:
- More Time on the Road: Business vehicles often cover more miles and operate during peak traffic hours.
- Higher Liability: Businesses usually need higher limits because the financial risk of a lawsuit can be greater than it is for personal driving.
- Specialty Equipment: Many business vehicles have expensive tools or modifications that cost more to repair or replace.
- Employee Use: Having multiple drivers with varying experience levels adds risk compared to a personal vehicle with just one or two drivers.
Even though it costs more, the protection it provides is often well worth it. One serious accident could create financial challenges if you're not properly insured.
Do You Need Both Commercial and Personal Auto Insurance?
In many cases, yes. If you use your vehicle for both work and personal activities, you may need two separate policies.
- Personal Auto Insurance: Covers errands, commutes, and personal trips.
- Commercial Auto Insurance: Covers business-related driving and company-owned vehicles.
It’s important to clearly define how each vehicle is used. If you occasionally use a personal car for work, ask your agent about a business-use endorsement. For full-time business driving, a commercial policy is the better fit.
Commercial Auto vs. Fleet Insurance
These terms can be confusing, so here’s the difference:
- Commercial Auto Insurance covers one or several business vehicles. It’s the standard policy for many small to mid-sized businesses.
- Fleet Insurance is a type of commercial auto coverage meant for businesses that operate a larger number of vehicles, often five or more. Benefits of fleet insurance include:
- One policy that covers all your vehicles
- Easier management and billing
- Potential discounts for bundling coverage
- Terms tailored to larger operations
Fleet insurance is still commercial insurance. It’s just structured in a way that works better when you manage multiple vehicles as part of daily business.
At Rollo Insurance, we say "The Difference Is Real." to encapsulate our dedication to our clients' well-being. Our focus is on securing reasonable premiums, providing comprehensive education on insurance coverage, and protecting our clients valued assets for life.
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Education
Demystifying coverage, rates, plans, and deductibles—so you understand what you're getting—without boring you or talking down.
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Protecting the most valuable things you own.
Life
A partner who you can call on today, tomorrow, and the rest of your life.
Driving Your Success with Rollo Insurance
Your business vehicles keep your work moving. Whether it’s one van or a growing fleet, having the right commercial auto insurance in place helps you stay on the road and stay protected. At Rollo Insurance, we take the time to understand how your business runs. We’ll help you find coverage that fits your needs and keeps your business driving forward. Reach out today to get started with a quote for your commercial vehicles or fleet.
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