Complete your Texas Commercial Auto file
Answer only the exact underwriting questions Texas carriers need to generate a real, bindable rate—plus upload your current dec page if handy.
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Business & Commercial Fleet • Licensed Texas Agency
Compare Texas Commercial Auto & Contractor Fleet Insurance Quotes
Personal auto policies routinely deny claims on LLC-titled trucks, ladder-rack vans, and jobsite hauling. Compare Texas Commercial Auto carriers offering $300k to $1M+ CSL, Blanket Additional Insured, and same-day COIs.
✓ $300k / $750k / $1M CSL
✓ Same-Day Jobsite COI
✓ USDOT & TxDMV Filings
30+ Texas Carriers Compared
Quote Texas Commercial Auto
Enter your 5-digit Texas ZIP code to launch our guided Texas Commercial Auto intake—zero duplicate typing.
Want to bundle another policy? Select multiple coverages in one intake →
Built for Texas Trades
HVAC, electrical, plumbing, roofing, landscaping, pest control, oilfield service, delivery, and sales fleets.
Contract-Ready Endorsements
Blanket Additional Insured, Primary & Non-Contributory wording, and Waiver of Subrogation for general contractors.
Hired & Non-Owned Auto
Protect your LLC when employees run business errands in their own personal cars or rent temporary trucks.
What Texas Commercial Auto covers — and Texas rules to watch
Plain-English underwriting guidance from licensed Texas producers so you never buy blind or miss a critical endorsement.
Core Protections
What’s Covered
- Combined Single Limit Liability ($300k–$2M CSL): Satisfies commercial contracts, landlord leases, and Texas/federal highway financial responsibility in one flexible pool.
- Physical Damage (Comprehensive, Collision & Specified Perils): Covers work pickups, Sprinter/Transit cargo vans, box trucks, dump trucks, and permanently attached ladder racks, toolboxes, or service bodies.
- Utility, Gooseneck & Equipment Trailers: Schedules enclosed cargo trailers, flatbed equipment trailers, and Trailer Interchange when required.
- Hired & Non-Owned Auto (HNOA): Defends your company if an employee causes a crash in their personal vehicle while picking up parts or visiting clients.
- Drive-Other-Car & Uninsured Motorist: Protects business owners who don't carry a separate personal auto policy plus crew medical/UM protection.
- State & Federal Regulatory Filings: Intrastate TxDMV Form E, federal FMCSA BMC-91X, and MCS-90 endorsements when vehicle weight or for-hire operations trigger authority.
Texas Underwriting Watch-Outs
Exclusions, Deductibles & Endorsements
- LLC-Titled Pickups on Personal Auto Risk Denial: Once a pickup is titled to an LLC, wrapped with company logos, equipped with commercial toolboxes, or hauling jobsite materials, personal auto business-use exclusions apply.
- Tools Inside the Van Are NOT Covered by Auto Physical Damage: Commercial Auto covers permanently bolted racks/service beds, NOT loose Milwaukee/DeWalt power tools, welders, or HVAC gauges—add an Inland Marine Tool Floater!
- Texas >26,000 lbs Intrastate Minimum ($500,000): Under 43 TAC § 218.16, commercial motor vehicles over 26,000 lbs GVWR operating intrastate in Texas require at least $500,000 CSL (and interstate general freight over 10,001 lbs requires $750,000 / $1M for brokers).
- Driver MVR Standards: List all regular and backup employee drivers upfront so MVR eligibility is cleared before a jobsite dispatch.
How We Shop Your Rate
One 3-minute intake. 30+ Texas carriers competing.
Skip repeating your details to five captive websites. Complete one structured Texas underwriting file and compare real bindable options.
Licensed Texas agent shops the panel
A licensed producer compares admitted and specialty underwriters for your exact Texas county, deductible preferences, and multi-policy discounts.
Soft inquiry • Never hurts credit
Bind & receive official proof
Review side-by-side options by email, text, or phone—with same-day ID cards, lender binders, SR-22s, or commercial COIs once bound.
All 254 Texas counties
Comparing 30+ TDI-admitted Texas carriers across all 254 counties
+ 25 More Markets — Start Quote
Bundle & companion Texas coverages
Close dangerous policy exclusions and unlock multi-policy discounts by combining companion coverages in a single intake.
Smart Texas Pairing
Commercial Auto + General Liability
The #1 Texas contractor package—issue a single unified COI showing both $1M GL and $1M Commercial Auto.
Smart Texas Pairing
Tools & Equipment (Inland Marine)
Insure stolen tools, skid steers, mini-excavators, and materials in transit inside your work trucks.
Smart Texas Pairing
Commercial Umbrella ($1M–$10M)
Meet $2M–$5M master service agreement (MSA) excess fleet and GL requirements.
Texas Commercial Auto — Frequently asked questions
Answers to the most common Texas statutory, lender, and underwriting questions.
If the truck is titled to a business/LLC, driven by employees, carries commercial equipment/racks, pulls heavy equipment trailers, or requires a commercial COI for clients/GCs, yes—you need a Commercial Auto policy.
Combined Single Limit ($1,000,000 CSL) provides a single $1M pool for bodily injury and property damage per accident rather than splitting small per-person sub-limits—and is the standard limit required by Texas general contractors and property managers.
No! Commercial Auto only covers the vehicle and permanently bolted-on equipment. Always add an Inland Marine Contractors Equipment / Tool Floater to cover stolen tools and machinery.
Same day upon binding and carrier payment—delivered by PDF directly to you and your GC or compliance portal (ISNetworld, Veriforce, NetVendor, RMIS).
Yes. Progressive Commercial, Kemper Commercial, National General, Sentry, and specialty MGAs actively quote brand-new Texas LLCs using the owner's personal driving experience.