From service vans to company pickups, Texas businesses rely on their vehicles. Compare commercial auto insurance with a Blue Peak advisor.
Looking for commercial auto insurance in Texas? A commercial policy can protect the vehicles your business owns or uses. A Blue Peak advisor can help you compare coverage and limits.
Texas businesses use vehicles in many ways, from local deliveries to job sites. We help you find coverage that matches yours.
A commercial auto policy protects vehicles used for business. Here are the main coverages.
Liability can help pay for injuries and property damage your business vehicles cause to others, including legal defense costs.
Physical damage coverage can help repair or replace business vehicles after a crash, theft, hail, or other covered loss.
This coverage can help with liability when employees drive rented vehicles or their own cars for business errands.
These coverages can help with injuries to your drivers and passengers, depending on the policy and state rules.
A licensed Blue Peak advisor can review your options and help you request a quote.
Texas requires auto liability of at least 30/60/25 on vehicles operated in the state. Many businesses carry much higher limits. Here are other points to consider.
Many Texas businesses cover long distances. Your radius of operation can affect coverage and price.
Comprehensive coverage can help with hail and flood damage to business vehicles.
Use these questions when you compare quotes or review your current policy:
The Texas Department of Insurance (TDI) licenses the insurers and agents that sell commercial auto insurance in Texas. If you have a question about a claim or a company, TDI's consumer services team can help, and you can confirm any agent's license on the Texas Department of Insurance website.
Texas has some of the most active weather in the country, with hailstorms across North Texas, hurricanes and tropical storms on the Gulf Coast, flash flooding in Houston and the Hill Country, and hard freezes like the February 2021 winter storm. Texas businesses face hail and wind losses, heavy freight traffic on I-35, I-45 and I-10, and fast payroll growth in Houston, Dallas-Fort Worth, Austin and San Antonio. Texas requires at least 30/60/25 liability coverage, and personal injury protection (PIP) is included in every policy unless you reject it in writing for personal vehicles, and commercial vehicles usually need higher limits.
Blue Peak works with businesses with work vehicles in Houston, Dallas, San Antonio, Austin, Fort Worth and El Paso, as well as smaller towns across Texas. Our advisors compare options from multiple carriers and explain how Texas rules apply to your commercial auto insurance before you decide.
Texas requires auto liability of at least 30/60/25 on vehicles operated in the state. Business vehicles often need higher limits than the minimum.
They can, but their personal policies may not fully cover business use. Hired and non-owned auto coverage can help protect your business.
If vehicles are owned by your business or used mainly for business, a personal auto policy may not cover them. An advisor can review your situation.
Common factors include vehicle type, use, radius of operation, driver records, claims history, and coverage limits.
Personal policies may exclude or limit business use. Commercial coverage is usually needed for business vehicles.
Your vehicles help your business earn money. The right commercial auto policy helps protect them and your business if something goes wrong on the road.
Learn more about our commercial auto insurance options, or see our guide to business insurance in Texas.
Blue Peak Risk Advisors is a licensed independent insurance agency. Coverage is subject to underwriting, policy terms, conditions, limits and exclusions. Coverage availability varies by state and carrier. This page is general information only and is not a statement of coverage or legal advice.
Insurance in Texas is regulated by the Texas Department of Insurance (TDI). Texas consumers can also get help from the Office of Public Insurance Counsel, which represents consumers on insurance matters.
Before you buy any policy, you can confirm that an agent or agency holds an active Texas license using the free NIPR license lookup or the regulator's own search. Ask your advisor which insurer will issue your policy, and check that the insurer is authorized to do business in Texas.
This page is general information, not legal advice. Coverage terms, rates and availability depend on the insurer and your policy.
