Commercial Auto Insurance

Whether you operate locally or are always on the road, AG-Pro will find you the best policy.

Your business relies on certain vehicles. Commercial auto insurance protects you if they cause an accident. Just as you carefully insure your personal vehicle, you need adequate coverage for your business, farm or ranch vehicles as well. The more employees you have, the higher the likelihood of operator error – no matter how competent or cautious they are.

Vehicles Eligible for Commercial Auto Insurance:
  • Tractor Trailers
  • Pickup Trucks
  • Dump Trucks
  • Tow Trucks
  • Box Trucks
  • Ice Cream Trucks
  • Delivery Vans
  • Cargo Vans
  • Cement Mixers
  • Garbage Trucks
  • Any other vehicle used for business purposes

Types of Commercial Auto Insurance

Liability insurance has two components: personal injury and property injury. Just as with your personal auto insurance, you’ll want at least liability insurance on your business vehicles so that you’re covered if you or your employees cause damage to another person or their property while operating your business vehicle. Unlike personal liability insurance, it is not required by law in the state of Texas, but it is still strongly recommended and is required by law in many other states.

Collision Insurance can help pay for repairs or replacements to your business vehicle if it breaks down or hits another object.

Comprehensive Insurance provides protection if something else happens to damage your vehicle, like a natural disaster or theft.

There are also different kinds of collision and comprehensive insurance depending on the type of vehicle. If it is a heavy industrial truck, we will recommend a different kind of insurance than if it is a smaller farm vehicle.

Motor Carrier Insurance is great coverage to have if you run a business in which you hire out trucks – for example if you run a moving company. There may be geographic restrictions on some policies. Your AG-Pro agent is the best resource for making sure your motor carrier insurance goes wherever work may take you.

Rental Reimbursement Insurance – A rental can be a crucial element to keeping your business running smoothly until your vehicle can be repaired or replaced. Rental reimbursement insurance is a great addition if something goes wrong.

Medical Payments Insurance helps pay the medical bills if anyone operating or riding in the vehicle is injured. This type of insurance looks out for you and your employees’ safety as you operate farm, ranch, or business equipment.

Uninsured/Underinsured Motorist Insurance – Just as we highly recommend this kind of insurance for your personal auto insurance, we also recommend it for your business enterprise. In addition to protecting you and your employees in the event of an accident involving an uninsured driver, it can also protect your business from hit-and-run incidents.


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