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Commercial Auto Insurance in Center, TX

Whether you’re using your personal vehicle to help run your business or your company has an entire fleet of trucks, your commercial vehicles are crucial to your success. At Shoop Insurance, we’re committed to safeguarding these assets with customized commercial auto insurance plans designed to protect your business financially.

Who Needs Commercial Auto Insurance?

Commercial auto insurance is mandatory in Texas if your business owns, rents or uses vehicles for work-related tasks. This coverage may be appropriate for the following company types:

  • Local delivery services—From florists to food delivery, commercial auto insurance is vital if your business provides door-to-door service.
  • Construction companies—Heavy machinery and utility vehicles, such as backhoes and dump trucks, require specialized commercial auto insurance.
  • Freight and logistics—Any business transporting goods over long distances should have appropriate commercial auto coverage. Your company may also be subject to federal transportation insurance mandates.
  • Taxi and rideshare services—Commercial auto insurance is a must if your company provides transportation for hire via cars, vans or buses.
  • Agricultural sector—Protection for farm vehicles is essential and can be included in a commercial auto policy.

What Is Commercial Auto Insurance?

A commercial auto insurance policy can help cover the costs (e.g., damaged property and/or medical expenses) of an auto accident that may be caused by you or another employee. Generally, commercial auto coverages include liability, collision, medical, comprehensive and uninsured/underinsured motorist coverage. There are additional coverages a business may need to add to their commercial auto insurance coverage. Our agency can help you review your business’s insurance needs and ensure you have the appropriate coverages.

What Does Commercial Auto Insurance Cover?

Commercial auto insurance comprises various coverages, including:

  • Liability coverage may provide repair costs for the other person’s vehicle or property. It also can provide coverage for the legal fees associated with a lawsuit for personal injury.
  • Comprehensive coverage can provide complete protection for damages unrelated to an accident, such as losses related to theft, floods, vandalism and fires.
  • Collision coverage may cover vehicle repair costs if an insured vehicle collides with another vehicle or object. Collision insurance may also help replace a totaled vehicle.
  • Medical payment may provide coverage for passengers and the driver when there is a need for medical care resulting from an accident.
  • Uninsured motorist coverage provides bodily injury coverage if an uninsured driver hits a business’s vehicle and injures its driver and passengers. Some uninsured motorist coverage also covers damage to the company vehicle.
  • Underinsured motorist coverage provides coverage if an underinsured driver hits a business’s vehicle and injures its driver and passengers. Some underinsured motorist coverage also covers damage to the company vehicle.

Policy endorsements may be available to your business to help round out your policy. Add-ons may include roadside assistance coverage, towing reimbursement, hired non-owned coverage, rental reimbursement and gap coverage for auto loans or leases.

How to Get Commercial Auto Insurance

If your business needs commercial auto insurance, we’re here to help. Contact Shoop Insurance Agency LLC today for a quote or to discuss your commercial auto insurance needs.