Commercial Car Insurance
Coverage for Every Mile of Business
If your business owns or operates vehicles, you need more than a standard auto policy. Commercial car insurance protects your business from liability, damage, and unexpected costs—whether you run a single pickup or manage a fleet across West Texas.
What Your Commercial Car Insurance Can Include
Liability Coverage
Covers property damage and injuries you or your employees cause while driving for business purposes.
Collision Coverage
Pays for repairs or replacement of your business vehicles after an accident, regardless of fault.
Comprehensive Coverage
Protects against non-collision losses like theft, hail, fire, and vandalism.
Hired & Non-Owned Auto Coverage
Covers vehicles your employees use for business but don’t own—like personal cars or rentals.
Medical Payments Coverage
Pays for medical bills for drivers or passengers injured in a business-related vehicle accident.
Trailer & Equipment Coverage
Extends protection to trailers, tools, and gear attached to or carried by commercial vehicles.
Built for West Texas Roads
Business driving in this region requires extra care
In West Texas, many businesses rely on trucks, vans, and service vehicles to keep operations moving—whether across town or across the county. Long-distance driving, rural highways, and shared use of vehicles increase the risk of accidents, breakdowns, or liability claims. If one of your employees causes a crash, your business could be held responsible for thousands—or even millions—in damages. We help businesses in Abernathy, Lubbock, and surrounding communities secure commercial auto policies that reflect local conditions, driving patterns, and risks. Whether you operate a single service truck or a fleet of delivery vehicles, we’ll help you stay protected every mile.
Frequently Asked Questions
Do I need commercial auto insurance for my personal vehicle?
If you use your personal vehicle regularly for business—such as making deliveries, transporting tools, or driving to job sites—yes, you likely need a commercial policy. Personal auto insurance may not cover accidents that happen while conducting business. We’ll help determine whether your vehicle use qualifies. It’s always better to confirm than to find out after a claim is denied.
What types of businesses need commercial car insurance?
Any business that owns vehicles or has employees driving for work should consider this coverage. Contractors, landscapers, delivery services, real estate agents, and even nonprofits may have vehicles that need protection. If a crash occurs while conducting business, liability can shift to the company. We’ll help you assess whether your vehicles—and your business—are at risk.
Is commercial auto coverage more expensive than personal auto insurance?
It can be, but the rates reflect the higher risk and broader coverage. Business vehicles often drive more miles, carry equipment, or transport employees—all of which increase exposure. However, policies can be tailored to fit your budget and use case. Many West Texas businesses pay between $1,000 and $2,500 annually per vehicle, depending on type and usage.
Does commercial car insurance cover employee drivers?
Yes, but you’ll need to disclose which employees are authorized drivers and how the vehicles are used. Policies can be written to cover multiple drivers and provide liability protection in case of an accident. We can also add coverage for employees who use personal vehicles for work. It’s important to keep your policy updated as your team changes.
Can I bundle commercial auto with other business insurance?
Absolutely. Bundling commercial auto with general liability, property, or a business owner’s package often results in savings. It also simplifies claims and billing. We’ll help you create a bundled plan that protects every aspect of your operation without overpaying or missing gaps in coverage.
