Do I need commercial auto insurance if I already have personal auto policies?

If a vehicle is owned by your business or used primarily for business—hauling tools, making deliveries, visiting job sites—personal auto insurance often won’t provide the protection you expect. Commercial auto policies are built for business use, higher mileage, and different liability exposures. We’ll review how each vehicle is titled and used to determine where commercial coverage is needed and where personal policies may still be appropriate.

What types of vehicles can be covered under commercial auto?

Commercial auto can cover a wide range of vehicles, including pickups, service vans, box trucks, small dump trucks, certain flatbeds, and more—depending on the carrier. We’ll ask about each vehicle’s year, make, model, VIN, weight, and use (service, retail, or commercial) to place them correctly. For very large or specialized units, we may explore additional or separate coverage options designed for those vehicles.

Are my employees covered when they drive company vehicles?

Yes—commercial auto liability is generally designed to cover authorized employees driving covered vehicles for business purposes, subject to policy terms and driver eligibility guidelines. We’ll talk about who drives, how often, and what your driver screening process looks like so we can align your policy with your real-world operations and any carrier requirements.

What is hired and non-owned auto coverage, and do I need it?

Hired and non-owned auto (HNOA) coverage helps protect your business when employees use vehicles you don’t own—such as rental cars or their personal vehicles—for business errands. If your team uses their own cars for deliveries, client visits, or bank runs, a standard commercial auto policy may not be enough by itself. We’ll review how often this happens and recommend HNOA limits if it’s a regular part of how you operate.

How are commercial auto insurance premiums calculated?

Carriers look at factors like the number and type of vehicles, how they’re used (service vs. delivery), annual mileage, driver histories, garage locations, claims experience, and chosen coverages and limits. We’ll help you understand which factors you can influence—such as driver screening, safety practices, and vehicle selection—so you’re better positioned for stable pricing over time.

Can you help with certificates of insurance for my contracts and deliveries?

Absolutely. Many shippers, clients, and project owners require proof of commercial auto insurance before they’ll sign a contract or allow your vehicles on site. Our commercial team handles certificate requests daily, including additional insured and special wording when needed. We focus on quick, accurate COI turnaround so insurance details aren’t what holds up your work.

Texas Commercial Auto Insurance

From a single work truck to a growing fleet of vehicles, your business depends on safe, reliable transportation. Commercial auto insurance helps cover the financial side if one of your vehicles is in an accident, causes injuries, or damages someone else’s property. It’s essential protection for companies that drive to clients, haul materials, or keep crews moving every day.

Based in the Dallas-Fort Worth area and serving businesses across Austin, San Antonio, Central Texas, and West Texas, Presley Insurance Group is an independent insurance agency in Texas that shops multiple carriers for you. We explain coverage in plain language and help you choose liability limits, physical damage options, hired and non-owned auto coverage, and deductibles that fit your vehicles, routes, and budget. Whether you run a small service company or manage a larger fleet, you get clear options and a local team ready to help at renewal and at claim time.

Doing business in Texas often means navigating busy Dallas-Fort Worth highways, construction zones in Austin and San Antonio, and long stretches of open road through Central and West Texas. Heavy traffic, high speeds, weather, and long daily routes all influence your commercial auto risk. We factor in where your vehicles operate, how far they travel, and where they’re stored when we recommend coverage and carriers.

Our local insight helps you:

Understand how Texas traffic, weather, and claim trends affect commercial auto rates and coverage
Choose liability limits that reflect highway driving, cargo, and contract expectations
Decide how to insure different vehicle types in a mixed fleet without over- or underinsuring
Coordinate commercial auto with general liability, contractors insurance, and umbrella policies
Plan for growth as you add vehicles, drivers, and new service areas across Texas

Commercial auto insurance in Texas doesn’t have to be guesswork—or more expensive than it needs to be. While pricing and credits vary by carrier and eligibility, we look for practical ways to keep your vehicles properly covered and your premiums as predictable as possible.

Multi-policy savings when you bundle commercial auto with general liability and property
Better pricing for clean driving records and strong fleet safety programs
Potential discounts for telematics, GPS, or driver-monitoring tools (when they fit your culture)
Credits tied to driver training, MVR reviews, and written fleet policies
Options to structure deductibles thoughtfully instead of cutting important liability or UM/UIM coverages
Right-sizing coverage as vehicles age, are paid off, or are removed from service

We’ll compare options from multiple carriers side by side so you see more than just a premium number—you’ll understand how each choice affects your protection, driver safety, and cash flow. Our goal is to help you feel confident that your commercial auto insurance supports your business on every trip.

Do I need commercial auto insurance if I already have personal auto policies?
If a vehicle is owned by your business or used primarily for business—hauling tools, making deliveries, visiting job sites—personal auto insurance often won’t provide the protection you expect. Commercial auto policies are built for business use, higher mileage, and different liability exposures. We’ll review how each vehicle is titled and used to determine where commercial coverage is needed and where personal policies may still be appropriate.
What types of vehicles can be covered under commercial auto?
Commercial auto can cover a wide range of vehicles, including pickups, service vans, box trucks, small dump trucks, certain flatbeds, and more—depending on the carrier. We’ll ask about each vehicle’s year, make, model, VIN, weight, and use (service, retail, or commercial) to place them correctly. For very large or specialized units, we may explore additional or separate coverage options designed for those vehicles.
Are my employees covered when they drive company vehicles?
Yes—commercial auto liability is generally designed to cover authorized employees driving covered vehicles for business purposes, subject to policy terms and driver eligibility guidelines. We’ll talk about who drives, how often, and what your driver screening process looks like so we can align your policy with your real-world operations and any carrier requirements.
What is hired and non-owned auto coverage, and do I need it?
Hired and non-owned auto (HNOA) coverage helps protect your business when employees use vehicles you don’t own—such as rental cars or their personal vehicles—for business errands. If your team uses their own cars for deliveries, client visits, or bank runs, a standard commercial auto policy may not be enough by itself. We’ll review how often this happens and recommend HNOA limits if it’s a regular part of how you operate.
How are commercial auto insurance premiums calculated?
Carriers look at factors like the number and type of vehicles, how they’re used (service vs. delivery), annual mileage, driver histories, garage locations, claims experience, and chosen coverages and limits. We’ll help you understand which factors you can influence—such as driver screening, safety practices, and vehicle selection—so you’re better positioned for stable pricing over time.
Can you help with certificates of insurance for my contracts and deliveries?
Absolutely. Many shippers, clients, and project owners require proof of commercial auto insurance before they’ll sign a contract or allow your vehicles on site. Our commercial team handles certificate requests daily, including additional insured and special wording when needed. We focus on quick, accurate COI turnaround so insurance details aren’t what holds up your work.

Commercial Auto Insurance for Texas Businesses

Presley Insurance Group helps Texas businesses protect the vehicles they rely on—trucks, vans, service vehicles, and more—with commercial auto insurance built for real-world driving, deliveries, and job-site travel.

Commercial Auto Insurance Texas Fleets Can Rely On