Commercial Auto Insurance · Houston, TX

COVERAGE FOR THE VEHICLES THAT KEEP YOUR BUSINESS MOVING.

Trucks, vans and company cars, covered for the way you actually use them. I compare options from several carriers for Houston businesses, in English or Spanish.

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Coverage overview

What Commercial auto insurance Covers

The core coverages for business vehicles, and the add-ons worth asking about.

Liability

Pays for injuries and property damage your work vehicles cause to other people, up to policy limits.

Physical Damage

Collision and comprehensive coverage that helps fix or replace your vehicles after any covered loss.

Hired & Non-Owned Auto

Covers your business when employees drive rented cars or their own vehicles for work on your behalf.

Uninsured Motorist

Helps pay for your driver's injuries when the at-fault driver has no insurance, or too little of it.

Medical Payments / PIP

Helps with medical bills for your driver and passengers after an accident, no matter who's at fault.

Tools & Equiptment

Options for tools, ladders and gear carried in your truck or van, which auto policies may not cover.

Who It's For

  • Contractors and trades with work trucks or vans

  • Delivery, service and transport businesses

  • Businesses that own or lease company cars

  • Owners whose employees drive their own cars for work

Good To Know

Texas requires at least 30/60/25 liability on every vehicle, including the ones your business owns.

Trucks over 26,000 pounds need a TxDMV number and at least $500,000 in liability coverage.

How It Works

Step 1

Walk Me Through the Job

Tell me what you drive, who drives it and how it is used for work, so the coverage fits the job.

Step 2

I Shop Several Carriers

I shop several carriers for you and walk you through what each quote covers, not just the price.

Step 3

You Choose, I Handle It

Pick the option that fits. I handle the paperwork, then review your coverage with you each year.

Frequently Asked Questions

COMMON QUESTIONS

Do I need commercial auto insurance in Texas?

If your business owns the vehicle, or you use it for jobs, deliveries or hauling tools, it may need commercial coverage. Tell me how you use it and I'll review it first.

Will my personal auto policy cover driving for work?

Often not. Many personal policies limit or exclude business use, so a claim during work can be denied. I'll look at your policy and how you drive before you decide anything.

What is hired and non-owned auto coverage?

protects your business when an employee drives their own car or a rental for work. Their personal policy may not cover your business, and this fills that gap.

Do I need a TxDMV number for my truck?

You do if your vehicle is over 26,000 pounds, carries more than 15 passengers including the driver, hauls placarded hazardous materials, or moves household goods for pay. Source: TxDMV

How much does commercial auto insurance cost?

It depends on your vehicles, drivers, how far you drive and what you haul. The review is free. If there is a fee on a placement, you will know the number before you decide anything.

OFTEN PAIRED WITH

Coverage that usually goes alongside your work vehicles.

Business Insurance

General liability and a BOP for the work you do.

Home Insurance Workers' Comp

Coverage options for injuries to your employees.

Employee Benefits

Group health and benefits for the team you hire.

Kevin Caballaro, Houston insurance agent

TALK TO KEVIN

Questions About Your Commercial Auto Insurance?

Let's find 30 minutes to look at what you have and what you actually need. No pressure, in English or Spanish.

HOURS

Mon to Fri 9am to 6pm

Caballaro Agency provides insurance products and services. Insurance products are not securities and are not offered through World Equity Group, Inc. For information regarding securities and investment advisory services, please contact Kevin Caballaro directly. Securities and investment advisory services offered through World Equity Group, Inc. Member FINRA and SIPC, a Registered Investment Adviser. Exponent Prosperity Accelerator Advisors, LLC & SMART Group Houston is not owned or controlled by World Equity Group, Inc.

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