Commercial Auto Insurance in Garland, TX

Commercial auto insurance is specifically structured to provide coverage for vehicles used in the course of business operations. While it shares similarities with personal auto insurance, a commercial auto insurance policy has distinct coverage provisions tailored to safeguard the organization’s financial interest in its vehicular assets.

Who Needs This Coverage?

Commercial auto insurance is intended for vehicles and drivers engaged in business-related activities. This type of insurance may apply to a range of scenarios, including vehicles owned directly by the business, employees using their personal cars for work-related tasks, company-provided vehicles used for both commercial and private purposes, vehicles rented or leased by the organization and certain personal vehicles that meet commercial classification due to their size or weight. Coverage is typically required by law.

What Does a Commercial Auto Insurance Cover?

A typical commercial auto insurance policy offers various coverage options, including the following:

• Liability coverage may reimburse costs related to third-party injuries or property damage if a business vehicle is involved in an accident and the company is found liable.
• Hired/non-owned auto liability coverage may cover liabilities when the company rents vehicles or when employees use their personal cars for work-related purposes.
• Collision coverage may help pay for repairs to your vehicle if it sustains damage in an accident, regardless of who was at fault.
• Comprehensive coverage may offer financial support for noncollision incidents, including damage caused by severe weather conditions, fire, theft, vandalism and other unforeseen events.
• Uninsured/underinsured motorist coverage may provide compensation if a company vehicle is struck by a driver who lacks adequate insurance.
• Medical payments coverage may assist with your employees’ medical bills resulting from an accident, regardless of who was at fault.

How Much Does a Policy Cost?

Several factors may influence the cost of commercial auto insurance, such as the scope and type of coverage selected, the geographic location of your business and the overall value of the vehicles being insured.

Get the Right Coverage

Our team at One Choice Insurance is dedicated to helping you find the appropriate coverage that matches your needs. Contact us today to learn more.