Commercial Vehicle Insurance Coverages

Texas Insurance Agency offers affordable commercial auto insurance coverage options that allow you to customize your commercial insurance policy to fit your specific vehicle insurance needs.

Liability Insurance

Vehicle Liability insurance is the basic insurance coverage that covers injuries or damage to other people or property if you’re at fault for an accident.

  • Bodily Injury Liability Insurance
  • Property Damage Liability Coverage
  • Are you looking for general liability insurance?

General Liability insurance is coverage that protects you against financial liabilities resulting from accidents such as spilling paint on someone’s carpet or someone slipping on your floor.

Physical Damage Coverage

Physical Damage coverage is a general term for a group of coverages that protect your vehicle. They include:

  • Collision Insurance
  • Comprehensive Insurance
  • Fire and Theft with CAC Insurance

Common Coverages

In addition to Physical Damage and Liability insurance, the following coverages are common to most types of businesses:

  • Uninsured Motorist Insurance
  • Personal Injury Protection Insurance
  • Medical Payments Insurance
  • Single Deductible Endorsement
  • Pet Injury Coverage

Business & Contractor Coverages

These coverages are commonly required by many different types of businesses, including contractors:

  • Drive Other Car Insurance
  • Individual Named Insured Endorsement

Trucking Coverages

The following coverages are typically required by freight haulers and specialized trucking businesses:

  • Non-Trucking Liability Insurance
  • Motor Truck General Liability Insurance
  • Rental Reimbursement with Downtime
  • Trailer Interchange Insurance
  • Motor Truck Cargo Insurance
  • Non-Owned Vehicle Insurance

These coverages could provide liability protection when you or any of your employees drive vehicles not listed on your commercial auto policy:

  • Employer’s Non-Owned Coverage
  • Hired Auto Coverage
  • Any Auto Coverage

Towing Coverages

Businesses that tow vehicles or operate service stations often require special coverages which might include:

  • Garagekeepers Legal Liability Insurance
  • On-Hook Towing Insurance