Commercial Auto Insurance in El Paso, TX
Commercial vehicles are essential for many Texas companies. Whether your business involves local deliveries or long-haul trips across the state, the risks of operating commercial vehicles are significant. Commercial auto insurance coverage is crucial to help protect the financial stability of companies that use vehicles to conduct business.
Is Commercial Auto Insurance Required?
Texas requires companies to prove they can pay for damage they cause in an accident. Many Texas-based businesses do this by purchasing commercial auto insurance. You are also subject to federal insurance regulations if your company uses certain vehicle types, such as semitrucks. Your agent can help tailor insurance coverage to comply with state and federal rules.
Commercial Auto Insurance Options
Texas businesses have unique needs based on the type of vehicles they operate and their specific business activities. Your agent may recommend these core coverages:
- Liability coverage is fundamental for any commercial auto policy. It may help cover legal expenses and damages up to the policy’s limits if your vehicle is in an accident where you are at fault.
- Collision coverage may help pay for repairs to your vehicles following a collision, regardless of who caused the accident.
- Comprehensive coverage may help pay to repair or replace a company vehicle after noncollision incidents such as theft, vandalism or damage caused by natural events like storms.
- Uninsured/underinsured motorist insurance may help provide coverage when you’re involved in an accident with a driver who doesn’t have adequate insurance.
- Hired and non-owned auto coverage can help provide appropriate coverage if you or your employees use personal vehicles for business purposes or your company rents or leases vehicles. Your agent can help determine whether this specialized coverage may be appropriate for your situation.
Contact Us
If you’re ready to explore commercial auto insurance options tailored to your Texas business, reach out to our team of experienced agents today. We can help you get appropriate commercial auto insurance at favorable rates.
Contact Pan American Insurance in El Paso, Texas, to learn about your company’s commercial auto insurance options and get a quote.