What Commercial Auto Covers
Liability
Injuries and property damage your business vehicles cause to others, with higher limits than personal policies.
Physical Damage
Collision and comprehensive for your vehicles, including hail, theft and vandalism.
Hired & Non-Owned Auto
Protects your business when employees run errands in their own cars or you rent a vehicle.
Uninsured Motorist
Covers your driver and vehicle when the other party has too little insurance or none.
Trailers & Equipment
Extends coverage to trailers and permanently attached equipment you haul to job sites.
Who We Help
Contractors & Trades
Ag & Oilfield Services
Delivery & Service Vans
Small Fleets
Commercial Auto FAQs
Do I need commercial auto if I use my personal truck for work?
Often, yes. Personal auto policies can deny claims when a vehicle is used mainly for business, hauls tools or equipment, or is titled to the company.
What limits do I need for interstate hauling?
For-hire carriers hauling general freight across state lines in vehicles over 10,001 lbs need at least $750,000 in liability under federal rules, and more for hazardous materials.
Does commercial auto cover hail damage?
Yes, if you carry comprehensive (physical damage) coverage, minus your deductible. In West Texas, it's worth having.