Commercial Auto Insurance in Texas — Protect Every Mile of Business
Business Vehicles Need Business Protection — Avoid Gaps, Keep Rolling
If your vehicle is used for work — delivering, hauling, carrying tools, or driving between job sites — a personal auto policy may leave you unprotected. Commercial auto insurance is designed for vehicles used in business, from a single work truck to an entire fleet. Willingham Insurance Agency helps Texas businesses stay on the road with coverage tailored to your operation, industry, and vehicles.
What Does a Commercial Auto Policy Cover?
Liability
Pays for injuries or property damage you cause while driving for work. Higher limits available to protect your business from major claims.
Physical Damage (Collision & Comprehensive)
Covers your company vehicles against accidents, theft, vandalism, hail, and other risks.
Uninsured/Underinsured Motorist
Protects you if another driver causes an accident and doesn’t have enough insurance.
Medical Payments
Pays for medical expenses for drivers and passengers after a work-related crash.
Hired & Non-Owned Auto
Covers employees using their own vehicles for business or vehicles you rent for work.
Cargo & Equipment
Add-on options to cover tools, equipment, or goods in transit (ask about Inland Marine coverage for specialized needs).
Drive Other Car
For executives who may not have a personal policy but need to drive a company vehicle.
From Pickup Trucks to Fleets — Protection for All Texas Businesses
We insure:
Contractor pickup trucks and vans
Farm trucks and service vehicles
Small business delivery vans and cars
Oilfield and service trucks
Semi-trucks and commercial fleets
If your vehicle is registered to your business, used for deliveries, client visits, or transporting tools, it needs commercial coverage — not personal auto.
Stay Legal, Stay Protected — We Know the Rules
Texas law requires commercial vehicles to carry minimum liability insurance. Larger vehicles or those hauling goods/hazardous materials may need higher limits and special filings (like ICC for interstate trucking). Willingham Insurance ensures your policy meets all Texas and federal requirements, so you’re always legal and covered.
Simplify With One Policy — Multi-Vehicle, Multi-Policy Discounts
Tired of managing multiple vehicle policies? We can schedule all your business vehicles on one plan, often with a single renewal date and potential multi-vehicle or multi-policy discounts when you bundle with your other business coverages (like BOP or GL). Get one partner who handles it all, so you can focus on business, not paperwork.
Your Commercial Auto Insurance Questions, Answered
Do I need commercial auto insurance for my work truck?
Yes — if your truck is used for business, contracting, or employees drive it for work, you need a commercial policy for full protection.
What’s the difference between commercial and personal auto insurance?
Commercial auto covers vehicles for business use, offers higher limits, and includes business-specific risks (like employee use, equipment, and hired/non-owned autos).
How much does commercial auto insurance cost in Texas?
Cost varies by vehicle, use, drivers, and coverage. We shop top carriers for your best rate and coverage fit.
Can I insure my whole fleet under one policy?
Yes — we offer fleet insurance with all your business vehicles on one plan for easier management and possible savings.
Keep Your Business Moving — Get a Commercial Auto Insurance Quote
Stay protected every mile with custom coverage for your business vehicles. Contact Willingham Insurance Agency for a fast quote, compliance support, and local service.