Commercial auto insurance

Commercial Auto Insurance

Your business vehicles face the same West Texas weather and road conditions as personal vehicles, but with additional liability exposure when employees drive for work purposes. Commercial auto insurance covers company-owned vehicles, hired or rented vehicles, and employee vehicles used for business, protecting both the vehicles themselves and your business from liability claims resulting from accidents.

Coverage typically includes liability protection for bodily injury and property damage, collision coverage for vehicle damage, and comprehensive coverage for theft, vandalism, and weather damage. Commercial policies often provide higher liability limits than personal auto insurance because accidents involving business vehicles can result in larger claims, especially if the business is viewed as having deeper pockets than individuals.

Lubbock businesses with delivery vehicles, service trucks, or sales teams on the road need proper commercial coverage. Using personal auto insurance for business purposes violates most personal policies and can leave you with no coverage when you need it most. If an employee causes a serious accident while driving for work, your business faces potential liability for medical costs, lost wages, property damage, and legal expenses that can quickly exceed personal policy limits.

Hired and non-owned auto coverage protects your business when employees use personal vehicles for work or when you rent vehicles for business purposes. This coverage fills gaps that employees' personal policies might not cover, especially when your business could be held liable for accidents occurring during work activities. We work with you to understand your fleet composition, how vehicles are used, who drives them, and what coverage limits appropriately protect your business from the financial impact of vehicle-related claims without overpaying for unnecessary protection.