Protect Your Business Vehicles with Comprehensive Commercial Auto Coverage
At Galloway Insurance, we understand that vehicles are essential to running your business. Whether you own one company car or an entire fleet, commercial auto insurance is crucial to protect your business assets, employees, and operations.
We proudly serve businesses across Marble Falls, Burnet, Horseshoe Bay, and throughout Central Texas, offering tailored commercial vehicle policies that match your specific needs.
What Does Commercial Auto Insurance Cover?
Commercial auto policies typically include:
- Liability Coverage – Covers injuries or property damage you cause while operating a business vehicle.
- Collision Coverage – Pays for damage to your company vehicle from an accident, regardless of fault.
- Comprehensive Coverage – Covers non-collision events like theft, vandalism, fire, or severe weather damage.
- Medical Payments Coverage – Helps pay for medical expenses if you or your employees are injured in a vehicle accident.
- Uninsured/Underinsured Motorist Coverage – Protects you if you’re involved in an accident with a driver who has insufficient or no insurance.
Additional options like hired and non-owned auto coverage are available to protect employees who drive their own vehicles for business purposes.
Who Needs Commercial Auto Insurance?
You may need commercial auto insurance if you:
- Use vehicles to transport goods, equipment, or clients
- Have employees driving company-owned or personal vehicles for work
- Own vehicles titled to the business
- Require higher liability limits than personal auto insurance offers
- Lease or rent vehicles for business operations
Common industries include contractors, delivery services, real estate agents, landscaping businesses, and nonprofit organizations.
What Types of Vehicles Can Be Covered?
Galloway Insurance can help insure a wide range of commercial vehicles, including:
- Company cars and trucks
- Vans and service vehicles
- Delivery vehicles
- Contractor vehicles
- Specialty vehicles and trailers
Whether you operate a single work truck or a full commercial fleet, we will customize a policy for your business size and operations.
Our Promise: Insight, Expertise and Relationsip
At Galloway Insurance, we believe in more than just selling policies —we’re here to build lasting partnerships with Texas business owners.
- Insight—We understand your needs.
- Expertise—We understand Insurance.
- Relationship—You will love doing business with us, we care.
- Here to Help—When you call, we answer… When you come by, we’re here.
- Community—We make significant investments in our community because of your choice to do business with us.
Frequently Asked Questions (FAQs)
Is commercial auto insurance required in Texas?
Yes, if you use vehicles for business purposes, Texas law requires minimum liability insurance. Many businesses need higher limits than personal policies offer.
Can I insure personal vehicles under a commercial policy?
Yes, if the vehicles are used primarily for business activities, they can be included under a commercial auto policy.
Does commercial auto insurance cover employees?
Yes, it typically covers employees driving insured vehicles for business purposes. You may also need hired and non-owned auto coverage for personal vehicles used for work.
How are commercial auto premiums determined?
Premiums are based on factors like vehicle type, business use, employee driving records, location, and required coverage limits.
Is there a difference between business auto and personal auto insurance?
Yes. Business auto insurance provides broader protections and higher liability limits specifically designed for commercial activities.