Commercial Auto Insurance – Protect Your Business Vehicles & Drivers Across Texas
Serving Austin, Houston, San Antonio & Surrounding Areas with comprehensive coverage
Protect Your Business Vehicles with Comprehensive Coverage
Your business vehicles are essential assets that keep your operations running smoothly—whether it's delivering goods, transporting clients, or hauling equipment. But accidents, theft, or damage can disrupt your business and lead to costly claims.
At Dhuka Insurance, we offer comprehensive Commercial Auto Insurance designed specifically for Texas businesses of all sizes. Whether you operate one van or a fleet of trucks in Austin, Houston, San Antonio, or beyond, we help you find the right coverage at a price that fits your budget — with flexible payment plans and pay-as-you-go options.
What Is Commercial Auto Insurance?
Commercial Auto Insurance protects vehicles used for business purposes from liability, damage, and other risks. Unlike personal auto insurance, this policy covers:
- Liability for injuries or property damage caused by your drivers
- Physical damage to your vehicles from collisions, theft, vandalism, or weather
- Medical payments for drivers and passengers injured in accidents
- Coverage for non-owned and hired vehicles (e.g., rented or employee vehicles)
- Optional coverage for cargo, tools, and equipment transported in your vehicles
Why Choose Dhuka Insurance for Commercial Auto Coverage?
- Texas Expertise - We understand Texas vehicle and insurance laws for cities like Austin, Houston, and San Antonio
- Flexible Payment Plans & Pay-As-You-Go - Manage your cash flow with monthly billing or payroll-based workers' comp for drivers
- Fast Quotes & COI Delivery - Get your Certificate of Insurance quickly to meet contract and client requirements
- Personalized Support - Dedicated agents to tailor policies to your fleet size and business needs
- Competitive Rates & Transparent Terms - No hidden fees, clear coverage options, and renewal reminders
Comprehensive commercial auto protection
Complete Commercial Auto Insurance Guide
Who Needs Commercial Auto Insurance?
If you use vehicles for business activities, you need commercial auto insurance. Common businesses include:
- Delivery companies and couriers
- Plumbing, HVAC, electrical, and landscaping contractors
- Food trucks and catering businesses
- Sales representatives and consultants who drive company cars
- Construction and handyman businesses with trucks or vans
- Any business with employee drivers
Key Coverages Included
1. Liability Coverage
Covers bodily injury and property damage claims resulting from accidents your drivers cause.
Example: Your driver hits another car on a job site — liability insurance covers the other party's injuries and vehicle repair costs.
2. Collision & Comprehensive Coverage
Covers damage to your vehicles from accidents, theft, vandalism, fire, or natural disasters.
3. Medical Payments Coverage
Pays for medical expenses for drivers and passengers injured in an accident, regardless of fault.
4. Uninsured/Underinsured Motorist Coverage
Protects your business if involved in an accident with a driver who has insufficient or no insurance.
5. Hired & Non-Owned Auto Coverage
Protects your business when employees use rented or personal vehicles for work purposes.
6. Cargo Coverage (Optional)
Protects goods and equipment transported in your vehicles from loss or damage.
Real-World Scenarios Where Commercial Auto Insurance Helped
| Incident | Coverage Used | Outcome |
|---|---|---|
| Employee caused a multi-car accident | Liability Coverage | Covered all injury and vehicle damage costs, protecting business assets |
| Theft of tools from work van in Houston | Comprehensive + Cargo Coverage | Replaced stolen tools and equipment |
| Rented truck damaged during delivery | Hired Auto Coverage | Covered repairs, avoiding out-of-pocket expenses |
| Driver injured in an accident | Medical Payments Coverage | Paid medical bills regardless of fault |
✅ Get Your Fast, Free Commercial Auto Insurance Quote Now
Protect your business vehicles and drivers with comprehensive coverage tailored to your needs.
Frequently Asked Questions (FAQs)
Q: Is commercial auto insurance required in Texas?
A: Yes, Texas law requires commercial auto insurance for vehicles used for business purposes.
Q: Can I insure just one vehicle?
A: Absolutely. Whether you have a single work vehicle or a large fleet, we can customize your policy accordingly.
Q: Does commercial auto insurance cover employee personal vehicles used for work?
A: Hired and non-owned auto coverage can protect your business when employees use personal or rented vehicles for work.
Q: What if my business transports valuable tools or cargo?
A: Cargo coverage can be added to protect equipment or goods while in transit.
Q: How soon can I get a Certificate of Insurance (COI)?
A: Usually the same day your policy is bound, so you can meet client or contract deadlines without delay.