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Whether you're delivering goods, transporting tools, or just getting your crew to the job site, your vehicles are essential to your business operations. But with every mile comes risk. Accidents happen—even to the most careful drivers—and when they do, the financial impact can be severe if you're not properly insured.
That’s where commercial auto insurance comes in. At Pflugerville Business Insurance, we help businesses like yours stay protected on the road, offering flexible, affordable policies that go beyond what personal auto insurance covers. Let’s explore why commercial vehicle insurance matters and how it can protect your business every time you turn the key.
What Is Commercial Auto Insurance?
Commercial auto insurance is designed for vehicles used in the course of business. It covers everything from company-owned trucks and vans to employee-driven cars. If it’s used for work—not commuting—your personal policy likely doesn’t apply. This policy fills that critical gap.
Who Needs It?
If you use a vehicle to transport equipment, deliver products, visit job sites, or shuttle employees, you likely need commercial auto coverage. Contractors, landscapers, delivery drivers, real estate agents, and more all rely on this coverage daily.
Why It Matters
An accident without proper coverage could cost your business tens of thousands—or worse. Repairs, injuries, and legal claims can stall operations or even force closure. Commercial auto insurance keeps your business moving forward.
What’s Covered in Commercial Auto Insurance?
It’s not just about fixing dents. The right policy covers a range of situations that could otherwise hit your business hard. Here's a breakdown of typical coverages:
| Coverage Type | Description | Why It’s Important |
|---|---|---|
| Liability Coverage | Covers bodily injury and property damage you cause to others | Required by law and crucial to protect against lawsuits |
| Collision Coverage | Pays for repairs to your vehicle after an accident | Essential if you rely on the vehicle for daily operations |
| Comprehensive Coverage | Protects against theft, vandalism, fire, and natural disasters | Peace of mind even when your vehicle is parked |
| Uninsured/Underinsured Motorist | Covers your losses if another driver lacks sufficient coverage | Protects you from paying out of pocket for someone else’s mistake |
| Hired & Non-Owned Auto | Coverage for vehicles not owned by your business but used for work | Great for employees using personal cars or rented vehicles |
Real Risks. Real Examples.
Picture this: one of your employees rear-ends another car while rushing to a client meeting. The other driver files a claim for medical bills and vehicle damage. Without commercial auto insurance, your business could be held financially responsible—and your personal insurance won’t help if the vehicle is used for work.
Now imagine you're covered. The policy handles damages, legal fees, and even rental car replacement while your company vehicle is in the shop. You stay focused on your business, not a court case.
How Much Does Commercial Auto Insurance Cost?
Like every vehicle on the road, every business is different. Rates depend on the number of vehicles, vehicle type, coverage limits, driver history, and how the vehicle is used. Here’s a general estimate of monthly premiums:
| Business Type | Estimated Monthly Premium |
|---|---|
| Small Business (1–2 vehicles) | $90 – $175 |
| Contractor with Trucks/Trailers | $150 – $300 |
| Courier or Delivery Services | $200 – $450 |
| Fleet of 5+ Vehicles | $500 – $1,000+ |
We’ll help tailor a policy to your specific needs—no cookie-cutter plans here.
Protect Your People
Whether it's an employee behind the wheel or a subcontractor using their own car, having the right coverage shows you care about safety and responsibility.
Meet Legal Requirements
Most states require businesses to carry liability insurance for work vehicles. Don't risk fines or a suspended license. We’ll make sure you’re in compliance.
Stay on the Road
Accidents shouldn't stall your success. With fast claims service and support from Pflugerville Business Insurance, you’ll be back in business fast—even after a crash.
Let’s Hit the Road Together
You’ve worked hard to build your business—don’t let one accident put it all at risk. With commercial auto insurance from Pflugerville Business Insurance, you get more than just a policy. You get a partner who understands your business and drives protection forward with you.
Give us a call at 512-252-2618 or click below to request your custom quote. We’ll help you stay protected, no matter what the road brings.
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