Vehicles that are used for commercial purposes need a different type of insurance than vehicles for personal use. In this post, we take a detailed look at commercial auto insurance in Texas, from basic requirements to the factors that affect the cost of this type of insurance.
Do I Need Commercial Auto Insurance in Texas?
The short, quick answer is “yes.” You need Commercial Auto Insurance for any vehicle you drive primarily for business purposes in Texas, including fleets of commercial vehicles.
Commercial vehicles need their own type of insurance because they are vulnerable to unique risks. For example, you may hit someone while driving a company car. Or one of your employees may total someone else’s car while driving a company truck. In all these scenarios, commercial auto insurance offers the protection you need.
How Much Commercial Auto Insurance Do I Need?
Texas law requires a minimum liability coverage known as 30/60/25. It breaks down as follows:
- At least $30,000 of coverage for injuries per person
- Up to $60,000 for all people injured in an accident
- At least $25,000 of coverage for property damage
Please note that these are only the minimum insurance limits. As we mentioned earlier, commercial vehicles are exposed to many risks, which may lead to costly claims. It’s a good idea to purchase a policy with higher limits, so you and your company are protected in case a serious incident should happen.
How Much Is Commercial Auto Insurance in Texas?
No two companies are the same, and the same applies to commercial auto insurance policies.
Some of the factors that affect the cost of commercial auto insurance in Texas include:
- The amount of vehicles you need to insure
- The types of vehicles you want to insure
- The level of coverage
- The type of business
- The features of each vehicle
If you are looking for a commercial auto insurance quote, contact our experts at BZ Bee Insurance. We’ll be happy to help you build a policy that fits the needs of your organization.
Looking for Flood Insurance in Houston, Texas? BZ Bee Is Here to Help!
When it comes to commercial auto insurance in Houston, or anywhere else in Texas, BZ Bee Insurance Services is the way to go.
We work with a wide selection of carriers to ensure that you always get the most comprehensive protection at the lowest rates.
To get a free quote, just contact us by email (ayalamariaeugenia@yahoo.com) or telephone (832-729-8114), or fill out the contact form on this website.
