Commercial Auto Insurance
Personal auto policies exclude business use — if a vehicle is used for work, it needs commercial coverage sized to how it's actually driven. We write commercial auto policies for businesses throughout Williamson, Travis, and Burnet counties.
Commercial auto at a glance
- Liability & physical damage
- Hired & non-owned auto
- Cargo & trailer interchange
- Single vehicle or full fleet
No spam, no obligation — a licensed Texas agent follows up directly.
Coverage for one work truck or a full fleet
Whether it's a single truck or a growing fleet, the right structure depends on how the vehicles are actually used.
Liability Coverage
Bodily injury and property damage liability for accidents involving your business vehicles.
Physical Damage
Collision and comprehensive coverage for the vehicles themselves.
Hired & Non-Owned Auto
Coverage when employees drive their own vehicles or you rent a vehicle for business use.
Cargo Coverage
Protection for goods or equipment being transported as part of your business.
Trailer Interchange
Coverage for trailers you pull that belong to someone else, common in hauling and delivery.
Fleet Programs
Structured coverage and reporting for businesses running multiple vehicles.
Coverage that reflects how your vehicles are actually used
Independent, not captive
We shop your risk across multiple commercial carriers instead of steering you toward one company's appetite.
We know hard-to-place accounts
Contractors, restaurants, manufacturers, and other specialty risks are markets we work in regularly, not occasionally.
One point of contact
Certificates of insurance, renewals, and midterm changes go through your agent directly, not a support queue.
For the trades and businesses that keep Central Texas moving
Contractors, tradespeople, and small fleets throughout Liberty Hill, Georgetown, Leander, Cedar Park, Round Rock, Burnet, and the rest of the Central Texas Hill Country rely on commercial auto to keep jobs moving. We help you figure out exactly where personal auto coverage stops applying and commercial coverage needs to start.
Commercial auto insurance questions
How do I know if I need commercial auto instead of personal auto?
If a vehicle is regularly used for business — hauling equipment, making deliveries, or transporting clients or employees — it likely needs commercial coverage. Occasional, incidental use is more of a gray area we can help sort out.
Do I need commercial coverage if it's just occasional business use?
It depends on the frequency and nature of the use. Some personal auto policies allow limited business use; regular use almost always requires a commercial policy or endorsement. We'll help you figure out where your situation falls.
What is hired and non-owned auto coverage?
It covers your business when employees use their own vehicles for work, or when you rent a vehicle for business purposes — gaps a standard commercial auto policy on your owned vehicles won't fill.
Can I insure a single work truck, or do I need a full fleet policy?
You don't need a fleet to get commercial auto coverage — we write single-vehicle policies just as often as multi-vehicle fleet programs.
Ready to cover your work vehicles?
Tell us about your vehicles and how they're used and we'll shop it across our carriers.