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Texas Commercial Auto Insurance That Protects Your Business and Your Bottom Line
Get comprehensive commercial auto coverage designed for Texas businesses, backed by over 20 years of expertise serving companies across 20+ states.
Running a business in Texas means your vehicles are essential. Period. Whether you operate delivery trucks in Houston, service vans in Austin, or contractor vehicles in Dallas, Texas commercial auto insurance protects your business from costly accidents, liability claims, and compliance issues that could devastate your operations completely.
At The Allen Thomas Group, we’ve simplified the complex world of commercial auto coverage for over two decades. Simple.
Our Smart & Easy approach helps businesses find the right protection at the right price. We combine our deep Texas market knowledge with proven expertise across 20+ states, creating solutions that actually work for your business.
Texas requires all business vehicles to carry minimum 30/60/25 liability coverage – but is that enough to protect your company’s future?
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How much does commercial auto insurance cost for small businesses in Texas?
Commercial auto insurance in Texas typically costs $260-$1,420 per month. Big range. This depends on your vehicle types, business operations, and coverage selections. Small businesses average around $147 per month nationally, but Texas rates vary significantly based on factors like urban vs. rural operations, driver records, and industry risks that are unique to your specific situation.
Why Texas Businesses Need More Than Basic Commercial Auto Insurance
Texas commercial auto insurance rates have increased over 30% since 2022, making smart coverage decisions more critical than ever. While state minimums might keep you legal, they won’t keep your business safe from financial disaster.
The reality facing Texas businesses today:
- Commercial auto claims in Texas average significantly higher than personal auto claims
- Nuclear verdicts and social inflation are driving settlement costs into the millions
- Distracted driving incidents have increased, leading to more severe accidents
- Supply chain issues and inflation are pushing vehicle repair costs higher than ever
What Texas Law Requires vs. What Your Business Actually Needs
- $30,000 bodily injury per person
- $60,000 bodily injury per accident
- $25,000 property damage per accident
- Personal Injury Protection (PIP) unless waived in writing
But here’s the problem: A single serious accident can easily exceed these minimums. One accident.
If your delivery driver causes an accident resulting in $200,000 in medical bills, your business could be responsible for the $170,000 difference. That’s business-ending money for many small companies.
- The average commercial auto claim settlement has increased 39% from 2019-2023
- Nuclear verdicts (awards over $10 million) are becoming more common in commercial vehicle cases
- Your business assets, including equipment, inventory, and real estate, could be at risk
- Higher limits often cost less per dollar of coverage than you might expect
The Allen Thomas Group Difference: Smart & Easy Commercial Auto Protection
For over 20 years, we’ve helped Texas businesses navigate the complex world of commercial auto insurance. Two decades of experience.
Our approach combines local expertise with national reach, ensuring you get coverage that truly fits your business needs, not some cookie-cutter solution that leaves gaps in your protection.
Our Smart & Easy Process
We analyze your specific industry, vehicle types, and risk factors. We dig deep. This ensures we identify exactly what coverage you need – no more, no less, no expensive surprises later.
Our relationships with top-rated insurers mean we find you the best coverage at competitive rates. Not just what one company offers. We compare multiple options so you get the best deal possible.
Every business is unique. Yours included. We customize your commercial auto policy to address your specific operations, from local delivery routes to multi-state transportation challenges.
Insurance needs change. Businesses grow. We provide continuous support, claims assistance, and coverage reviews to ensure your protection evolves with your company’s changing needs.
Local Texas Knowledge, National Experience
- Deep understanding of Texas regulations and market conditions
- Experience serving businesses across 20+ states
Relationships with carriers who understand Texas business needs
Industry-Specific Expertise
- Contractors: Coverage for tools, equipment transport, and job site risks
- Delivery Services: Protection for goods in transit and frequent stops
- Service Companies: Coverage for specialized vehicles and equipment
- Retail Businesses: Protection for customer deliveries and business travel
Proven Cost Savings
- Average savings of 15-25% through proper coverage optimization
- Risk management programs that can reduce premiums over time
- Bundle discounts when combined with other business insurance
Essential Commercial Auto Coverage Options for Texas Businesses
Liability Insurance protects your business when your vehicle causes bodily injury or property damage. While Texas requires 30/60/25 minimums, we typically recommend much higher limits for adequate protection.
Personal Injury Protection (PIP) required unless waived, PIP covers medical expenses for occupants of your vehicle regardless of fault. Texas businesses can opt out with written waiver.
Collision Coverage pays to repair or replace your business vehicle after an accident, regardless of who’s at fault. Essential for businesses that depend on vehicles for daily operations – downtime costs money.
Comprehensive Coverage protects against non-collision damage including theft, vandalism, hail, fire, and flooding. Texas weather makes this especially important with severe storms, hail, and flash flooding common across the state.
Uninsured/Underinsured Motorist Coverage is critical protection in Texas, where uninsured driver rates remain high. Dangerously high. This coverage protects your business when hit by drivers without adequate insurance, which happens more often than most business owners realize.
Hired and Non-Owned Auto Coverage protects your business when employees use personal vehicles for work or when you rent vehicles. Often overlooked but essential for comprehensive protection.
Motor Truck Cargo Insurance for businesses transporting goods, covers cargo damage, loss, or theft during transport.
Garage Liability for automotive businesses, covers customer vehicles while in your care.
Commercial Auto Physical Damage for comprehensive protection for specialized vehicles, equipment, and modifications.
Tailored Insurance Solutions Built For Your Texas Business
We know how frustrating and complex the process of finding the right commercial auto insurance can be.
Let us help craft a policy that works for you.
Tell us about your specific needs and we will find the right policy for you.
Review the results of our search.
We will walk you through your new policy step by step.
Our Commercial Insurance Carrier Partners
That allows us to find the best rates for your business.
Get a Free Commercial Auto Insurance Quote From The Allen Thomas Group Today
Don’t leave your business exposed to preventable financial disaster.
With commercial auto insurance rates continuing to rise and claim severity reaching historic highs, the time to secure proper protection is now, before you need it most.
The Allen Thomas Group makes commercial auto insurance Smart & Easy for Texas businesses. Smart.
Our 20+ years of experience and personalized service approach ensure you get comprehensive protection at competitive rates, backed by our unwavering commitment to your business success.
Contact our independent insurance agents by calling us at (440) 826-3676 for a free quote today.
Get More Insights On Making The Right Insurance Decision For Your Company
Do I need commercial auto insurance if I only use my personal vehicle occasionally for business?
Yes. Even occasional business use requires appropriate coverage. Personal auto policies typically exclude business use, leaving you exposed to significant liability that could devastate your personal finances. Hired and non-owned auto coverage is often the most cost-effective solution for occasional business vehicle use, protecting both you and your business without the expense of full commercial coverage.
What's the difference between Texas minimum requirements and recommended coverage limits?
Night and day difference. Texas requires minimum 30/60/25 liability coverage ($30K per person, $60K per accident, $25K property damage), but these limits rarely provide adequate protection for businesses. We typically recommend $1 million+ liability coverage because commercial claims average much higher than personal auto claims. The cost difference is often less than $50 per month for significantly better protection.
How quickly can I get a commercial auto insurance quote in Texas?
Fast. We provide same-day quotes for most Texas commercial auto insurance needs. Our streamlined process gathers your business information, analyzes your specific risks, and compares rates from multiple top-rated carriers quickly and efficiently. Most businesses receive comprehensive quote comparisons within 2-4 hours, with immediate certificates of insurance available once coverage is bound.
What happens if my employee causes an accident while driving for work?
Your commercial auto policy’s liability coverage protects your business when employees cause accidents while performing work duties. Complete protection. This includes legal defense costs, settlement payments, and medical expenses for injured parties, but coverage depends on proper policy structure – we ensure your policy covers all employees and business vehicle uses to prevent coverage gaps that could expose your business assets.
Choose your area: Popular Texas Communities We Serve Business Owners
Abilene
Allen
Amarillo
Arlington
Atascocita
Austin
Baytown
Beaumont
Bedford
Brownsville
Bryan
Burleson
Carrollton
Cedar Hill
Cedar Park
Channelview
Cibolo
Cleburne
College Station
Conroe
Coppell
Copperas Cove
Corpus Christi
Dallas
Deer Park
Del Rio
Denton
DeSoto
Duncanville
Edinburg
El Paso
Euless
Farmers Branch
Flower Mound
Fort Worth
Friendswood
Frisco
Galveston
Garland
Georgetown
Grand Prairie
Grapevine
Haltom City
Harker Heights
Harlingen
Houston
Huntsville
Hurst
Irving
Keller
Killeen
Kyle
La Porte
Lancaster
Laredo
League City
Leander
Lewisville
Little Elm
Longview
Lubbock
Lufkin
Mansfield
McAllen
McKinney
Mesquite
Midland
Midlothian
Mission
Mission Bend
Missouri City
Nacogdoches
New Braunfels
North Richland Hills
Odessa
Pasadena
Pearland
Pflugerville
Pharr
Plano
Port Arthur
Richardson
Rockwall
Rosenberg
Round Rock
Rowlett
San Angelo
San Antonio
San Juan
San Marcos
Schertz
Sherman
Socorro
Southlake
Spring
Sugar Land
Temple
Texarkana
Texas City
The Colony
The Woodlands
Tyler
Victoria
Waco
Waxahachie
Weatherford
Weslaco
Wichita Falls
Wylie
