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Who Is Insured Under a Commercial Auto Policy?

Texas companies with commercial auto insurance have access to valuable financial protection as outlined in their policy. Understanding who is covered by a company’s commercial auto insurance is crucial.

Your company’s auto coverage form details who is insured under the commercial auto insurance policy. Insured drivers may include the following:

  • You, as the named insured or the person listed in the policy’s declarations
  • Permissive users or anyone driving a covered vehicle with your permission
  • Omnibus insureds or anyone who operates a covered vehicle with the policyholder’s implied or express consent

Contact your agent if you have concerns about your commercial auto coverage and who can operate a company-owned, rented or leased vehicle.

Does Commercial Auto Insurance Cover Personal Use?

Generally, a commercial auto policy includes personal use of a business vehicle. But family members who operate a company-owned vehicle may not be covered. Check with your insurance agent to learn more about your policy’s coverage and determine whether you should add coverage for family use of company vehicles.

Is Commercial Auto Insurance Required in Texas?

Yes, commercial auto insurance is required for Texas companies using vehicles to facilitate business activities. Texas requires all vehicles registered in the state to have minimum liability coverage to help pay third-party property damage and bodily injury claims.

Commercial auto coverage is highly customizable. Your agent can help determine which commercial auto policies and endorsements may provide appropriate protection for your company.

Who Needs Commercial Auto Insurance?

Texas businesses using vehicles must purchase minimum amounts of liability coverage. If your company leases or finances vehicles, you must also buy full coverage insurance, including comprehensive and collision coverage. Your lienholder may also require guaranteed asset protection (GAP) insurance to help pay off your loan or lease if the covered vehicle is a total loss after a covered accident or incident.

Your agent can help determine whether commercial auto insurance is an appropriate addition to your company’s business insurance plan.

How to Get Commercial Auto Insurance In Texas

Contigo Insurance helps Texas companies get commercial auto insurance at a great rate. Contact us today to build your company’s customized commercial auto insurance plan.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.