Is Your Business Auto Policy Keeping You Covered and Compliant?
Texas law requires commercial auto insurance for any vehicle owned or primarily used by a business—even if it’s just one car or truck. Personal auto insurance usually won’t pay if there’s an accident while working, so it’s critical to get the right policy in place. Whether you manage a delivery fleet, keep a single work truck on the road, or operate specialty vehicles, Broken Spoke Insurance helps Texas businesses meet state requirements, avoid costly surprises, and save money with the right carrier and coverage.
Problems We Solve Every Day
Business Liability on the Road
If your driver causes an accident en route to a job, your business could face legal and repair costs—commercial auto covers both.
Fleet & Multi-Vehicle Policies
From food trucks to fleets of vans or pickups, we tailor coverage and discounts for businesses of all sizes.
Hired & Non-Owned Vehicle Coverage
Covers employees using their own cars or rentals for work—protection many business owners overlook.
Texas Minimum Requirements
We make sure your policy meets or exceeds state liability minimums: $30,000 per person, $60,000 per accident, $25,000 property damage.
Coverage Add-ons
Optional features include collision, comprehensive, uninsured/underinsured motorist, medical payments, roadside assistance, and rental reimbursement.
Common Mistakes That Can Cost You
Relying on a personal policy for business vehicles
Forgetting to update coverage when adding new vehicles or drivers
Carrying only minimum liability when contracts require $1M or more
Overlooking hired and non-owned auto exposures
Not bundling auto with other business policies for better rates
Quick Guidance for Common Situations
One or Two Vehicles?
Even a single work truck or van needs commercial auto—don’t risk claim denial with a personal policy.
Growing Fleet or Multiple Locations?
We help you manage certificates, drivers, and billing for easy scaling.
Special Contracts or Cargo?
We advise on required liability limits and specialty coverages—so you only pay for what your business really needs.
Want to Save Money?
We compare policies from leading carriers, bundle for discounts, and keep shopping at every renewal.
Get Help From People Who Know the Process
The next step is working with a team that understands Texas regulations and business realities—so you never have to wonder if you’re legal, covered, or overpaying.
How We Make This Simple for You
First, we review your vehicles, drivers, and routes to recommend coverage that checks every compliance box—no jargon, just clear answers. Once you’re set up, we handle COIs, policy changes, and claims help directly from our Texas offices, so you’re never stuck waiting on a call center.
Compare Your Options Clearly
| Scenario/Need | Commercial Auto | Personal Auto | Fleet Insurance |
|---|---|---|---|
| Covers business-use accidents | Yes | No | Yes |
| Meets Texas state business requirements | Yes | No | Yes |
| Bundles multiple vehicles/drivers | Yes | No | Yes |
| Eligible for business policy discounts | Yes | No | Yes |
| Add-ons (roadside, rental, etc.) | Yes | Some | Yes |
Not sure which fits your business? We’ll walk you through the best option.
Your Questions, Answered Clearly
Is commercial auto insurance required in Texas?
Yes—any business-owned or business-use vehicle must carry at least state-minimum liability coverage.
How is commercial auto different from personal auto insurance?
Business policies cover commercial use, multiple drivers, and higher limits. Personal auto won’t cover claims if the vehicle was used for work.
How much liability do I need?
State minimums are a starting point, but contracts or risks may require $500K or $1M or more—our agents help you choose.
Do I need fleet insurance if I have more than one vehicle?
Fleet policies can simplify coverage and billing—let’s see what makes sense for your business.
Can I bundle auto with other business policies?
Yes—combining with liability or property coverage often saves money.
Drive Down Your Costs—Get a Fast Quote
The right auto coverage keeps your business legal, protected, and running—without overpaying or worrying about claims. Let Broken Spoke Insurance find you the best deal and support you every mile.