Commercial Auto Insurance
Just as your business differs from the one next door, so do your commercial auto insurance needs. At City Auto Insurance, we help provide insurance solutions to fit your business model. Contact us today for a commercial auto insurance quote.
What Is Commercial Auto Insurance?
Commercial auto insurance is designed to help protect businesses financially against potential losses involving vehicles used for business purposes. Unlike personal auto insurance, it covers a range of vehicles—from single cars used for work errands to entire fleets of commercial trucks—and provides higher liability risks.
Who Needs Commercial Auto Insurance?
Commercial auto insurance is mandatory under Texas law if your organization owns, leases or uses vehicles for business purposes. It’s crucial for the following:
- Business owners with company cars, delivery vans or other vehicles used by employees
- Self-employed professionals who use their personal vehicles for business
- Commercial fleet owners who operate multiple vehicles for business purposes
Factors Influencing Commercial Auto Insurance Rates
Premium rates are affected by multiple variables, which may include the following:
- Type of vehicles—Larger and heavier vehicles often have higher premiums.
- Business operations—You need specialized coverage if your business involves hazardous materials or long-distance travel.
- Claims history—The driving history of anyone operating the vehicle can also impact your premium.
- Coverage needs— Higher limits or additional coverage may increase your rates but provide more protection.
Contact Us
Your vehicles help your business move, and their safety contributes to your bottom line. At City Auto Insurance in Dallas, Texas, we can help you get appropriate commercial auto insurance coverage. Contact us today to discuss your commercial auto insurance needs.