Commercial Auto Insurance
Having the right insurance is essential if you’re driving a vehicle for business reasons. Commercial auto insurance is designed for vehicles owned by, or used in, your business operations. Whether you’re using a car to travel to and from business meetings, or you’re carrying a few tons of cargo in a delivery truck, the right coverage can help protect you, your employees, and your business.
A commercial auto policy provides collision and comprehensive coverage for vehicles you own, lease, hire, or use in your business and liability coverage for bodily injury and property damage caused to others by your use of the insured business vehicles.
Benefits of Texell Financial:
- Individual attention: Local, trusted agents.
- Independent: We are not limited to one insurance brand.
- The best rates: Because we can shop around, we find you the very best rate, every time.
- Shopping for you: Before your policy renews, we check to see if you still have the best deal.
- Bundle and save: Combine two or more policies for exclusive discounts.
Texell Financial is an affiliate of Texell Credit Union. Our agents are ready to protect your business out on the road.
Ready to Get Behind the Wheel with Texell Financial?
Get a personalized experience with a Texell Financial insurance expert at one of our branches.
Give us a call or send a message to discuss your business auto policy needs. A Texell Financial agent has solutions.
Frequently Asked Questions:
Personal auto insurance policies only cover personal use claims, including your commute and any travel unrelated to work. Personal policies have lower limits and usually cost less.
However, if you’re involved in an accident while driving your personal car for work, your insurance company may refuse your claim, so if you own a vehicle used for work, you should consider commercial auto insurance.
Rideshare and contract delivery drivers face unique risks. Your employer may provide hired and non-owned auto insurance (HNOA) to protect you from liability, but if you find they do not, contact your Texell Financial insurance agent and ask about extending your coverage.
Commercial auto insurance premiums are based on several factors, including:
- The type of commercial vehicles you own
- The number of motor vehicles in your fleet
- How often the vehicles are driven
- You and your employees’ driving records
In addition to these factors, your premium also depends on the type of coverage you choose, your industry risks, and the policy limits. Auto liability is required by law in most states, and comprehensive coverage is optional. Call your Texell Financial insurance agent at 254.774.5181 to explore the coverage options to find the right policy for you.