What We Cover
Your personal auto policy won’t cover you when you’re using your vehicle for business. If an employee runs a red light in a company truck, or you cause an accident while driving to a client site, your personal carrier can deny the claim entirely. For any business that puts vehicles on the road, commercial auto insurance isn’t optional — it’s the difference between a covered loss and a six-figure lawsuit you pay out of pocket.
Collin County Insurance Group writes commercial auto for everything from single-vehicle contractors to 50-truck fleets. We shop across a dozen carriers to find competitive rates, even for businesses with younger drivers, prior claims, or specialty vehicles.
Who Needs Commercial Auto Insurance
If a vehicle is titled to your business, used for business purposes, or driven by employees on company time, you need a commercial auto policy. Personal auto carriers routinely deny claims when they discover business use. We insure:
- Contractors and trades — electricians, plumbers, HVAC techs, and painters hauling tools and equipment
- Delivery and courier services — last-mile delivery, florists, catering, and pharmacy delivery
- Landscaping and lawn care — trucks pulling trailers loaded with mowers and equipment
- Real estate agents and mobile professionals — anyone driving between client appointments on company business
- HVAC and service fleets — multiple service vans and technician vehicles
- Restaurants and food service — delivery vehicles and catering vans
- Nonprofits — volunteer drivers, church vans, and organization-owned vehicles
- Auto dealers and service shops — garage liability and dealer plates
What We Cover
Liability Coverage pays for bodily injury and property damage you cause to others. Texas requires minimum limits of 30/60/25, but those minimums are dangerously low — a serious accident with injuries can easily exceed $100,000. We recommend at least $500,000 combined single limit for most commercial operations, with $1,000,000 for fleet programs.
Physical Damage covers your own vehicles for collision, fire, theft, vandalism, and weather damage. In North Texas, hail damage alone accounts for thousands of commercial vehicle claims every spring. Comprehensive coverage pays to repair or replace your vehicle when hail, theft, or a falling tree does the damage.
Hired & Non-Owned Auto is critical coverage that many business owners overlook. It protects your business when employees use their personal vehicles for work errands, or when you rent a vehicle for business travel. If an employee causes an accident while driving their own car to pick up supplies, this coverage responds.
Medical Payments covers medical expenses for you and your passengers regardless of fault. It fills the gap while liability claims are being sorted out, ensuring your people get treatment immediately.
Uninsured / Underinsured Motorist (UM/UIM) protects you when the at-fault driver has no insurance or not enough to cover your damages. Texas has one of the highest uninsured driver rates in the country — roughly 1 in 5 drivers on the road carry no insurance at all.
Fleet Programs start at five or more vehicles and offer volume discounts, simplified administration, and blanket coverage that automatically includes new vehicles as you add them. We place fleets with carriers who understand commercial operations and offer competitive fleet pricing.
Commercial Auto vs Personal Auto
The key differences come down to who’s covered and how claims are handled:
- Personal auto covers you and your family. Commercial auto covers any authorized driver of the business vehicle — employees, partners, and permitted users.
- Personal auto excludes business use. Commercial auto is designed for it — hauling materials, transporting goods, and driving between job sites.
- Personal auto has lower liability limits. Commercial auto can be written to $1,000,000 or more, which is often required by contracts and clients.
- Commercial auto allows fleet management: adding and removing vehicles mid-term, blanket coverage, and hired/non-owned auto that personal policies simply don’t offer.
If you operate DOT-regulated Class 7 or 8 vehicles, you need a trucking insurance program rather than standard commercial auto. Trucking policies include FMCSA filings, motor truck cargo, and bobtail coverage that commercial auto policies don’t provide.
Why Choose Collin County Insurance Group
Commercial auto pricing depends heavily on the type of business, vehicle classifications, driver records, and radius of operations. A landscaper with clean-record drivers and local routes will pay very differently than a courier service with younger drivers and regional travel. We know which carriers have appetite for each type of operation.
Tony Nichols shops your commercial auto across carriers including Progressive Commercial, Nationwide, Hartford, Berkshire Hathaway, CNA, and specialty markets — comparing rates, deductible options, and coverage forms side by side. We often find savings by packaging commercial auto with your general liability and business insurance or workers compensation.
How It Works
- Tell us about your vehicles and drivers — year, make, model, VIN, driver list, and how the vehicles are used.
- We shop the market — comparing rates and coverage across multiple carriers simultaneously.
- You pick the best fit — we walk you through each option in plain English.
- Certificates on demand — COIs issued the same day for clients and contracts that require proof of coverage.
Ready to protect your business vehicles? Contact us for a free quote today.
