INSURANCE · TEXAS
Commercial Auto Insurance
Trucks, vans and work vehicles. Coverage for vehicles your business owns or that you use for work.
What it covers
Liability
Pays for injuries and damage your business vehicles cause to others.
Physical damage
Collision and comprehensive for your work vehicles.
Hired and non-owned auto
Covers liability when employees use rented or personal vehicles for your business.
Uninsured motorist and medical
Protection for drivers and passengers.
Who needs it in Texas
- Every vehicle on Texas roads needs at least 30/60/25 liability (TDI). Business use usually calls for a commercial policy.
- A personal auto policy may not cover a vehicle used mainly for business. Tell your agent how the vehicle is used.
- Carriers that haul goods or passengers for hire, or that cross state lines, may face higher federal or Texas DMV requirements (FMCSA, TxDMV).
- Contracts and clients often ask for proof of higher limits.
Common questions
Do I need commercial auto if I use my truck for work?
Often yes. Personal policies may exclude or limit business use. We will look at how you use the vehicle.
What are the minimum limits?
Texas requires at least 30/60/25 liability for any vehicle. Interstate and for-hire carriers may need more under federal and state rules.
Does it cover my employees driving?
Listed drivers on company vehicles can be covered. Hired and non-owned auto coverage helps when they use other vehicles for work.
Can I bundle it with general liability?
Many carriers write both. We can quote them together.
How AVYRO helps
- Tell us what you need to cover, by phone or online.
- We compare options from our appointed carriers.
- You pick the coverage, and we handle the paperwork.
Carriers we work with
Availability depends on the carrier, your location and underwriting. We will tell you which carriers can quote you.
Sources: TDI: Auto insurance guide · TxDMV: Motor carrier credentials · FMCSA: Insurance requirements · III: Small business insurance basics
AVYRO Insurance & Tax is a licensed Texas insurance agency (TX Lic #3366212), not an insurance company. Coverage, rates and eligibility are set by the issuing carrier and are subject to underwriting. Quotes are estimates until a policy is issued. Not all carriers or products are available in all areas. This page is general information and does not change any policy terms; your policy controls. Rules can change, so check the sources above. Not legal advice. We never ask for your Social Security or driver’s license number through this site.
Other services: Homestead helpMotorcycle InsuranceBoat InsuranceRV InsuranceFlood InsuranceUmbrella InsuranceSR-22 Filings in TexasGeneral Liability InsuranceNotary ServicesITIN Application Help