Commercial Auto insurance · Texas
Commercial auto for the vehicles that move your business
If you or your team drive for work, a personal auto policy may not respond to a business claim. We’ll help you set up coverage that does.
TexPro Insurance is an independent insurance agency based in Houston, Texas, licensed in Texas only, serving clients across the state with property and casualty coverage.
What it covers
What a Commercial Auto policy can include
Coverage varies by carrier and policy form. Here’s what we typically review with you.
Liability
Bodily injury and property damage from business use of your vehicles.
Collision & comprehensive
Damage to your vehicles from accidents, theft, hail and more.
Medical payments / PIP
Medical costs for drivers and passengers.
Uninsured / underinsured motorist
Protection when the other driver can’t pay.
Hired & non-owned auto
Vehicles you rent, hire or that employees drive for errands.
Fleet options
Coverage that scales as you add vehicles and drivers.
General summary only. The actual policy language controls, and all coverage is subject to underwriting approval.
Who it’s for
Is this you?
- Businesses that own, lease or rent vehicles
- Teams with employees driving company vehicles
- Employees using personal cars for business errands
- Contractors, delivery, service and sales fleets
What drives commercial auto pricing
- Number and type of vehicles, and how they’re used.
- Who’s listed as a driver, and their records.
- Garaging location, loss history and chosen limits.
- Texas minimum liability is 30/60/25, but many carriers and contracts require much higher limits for business use.
Source: Texas Department of Insurance, auto insurance guide. Reviewed Oct 2026. (opens in a new tab)
How TexPro helps
Advice first. Then the quote.
We start with your situation
What you own, what you drive, what you’d stand to lose. Coverage is built around that, not a template.
We shop multiple carriers
We compare coverage, limits, deductibles and price across carriers, and show you the differences side by side.
We stay with you
Changes, renewals, certificates and claims questions. You call the same Houston team that set up your policy.
FAQ
Frequently asked questions
Do I need commercial auto if I use my own car for work?
Possibly. Personal auto policies may exclude some business use. If your business owns or leases the vehicle, commercial auto is typically needed.
What if employees run errands in their own cars?
Hired and non-owned auto coverage can protect your business in those situations.
Why are minimum limits not enough?
A serious accident can exceed state minimums quickly, and many clients and carriers require higher limits.
General information only. Coverage depends on your policy; the actual policy language controls, and all coverage is subject to underwriting approval.
Ready to review your Commercial Auto coverage?
Tell us what you need protected. A licensed TexPro agent will compare options from multiple carriers and walk you through them.