Commercial Auto Insurance - Business Vehicle Coverage In TX

When A Personal Policy Isn't Enough

If you use vehicles primarily for work-contractor pickups on SH 249, delivery vans in Houston, or sales cars across 77377-you need commercial auto insurance. O'Sullivan Integra designs policies for single vehicles or small fleets and can add hired/non-owned coverage when employees use personal cars or rentals for business errands.

What Your Policy Can Include

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Liability

Often higher limits for business risk.

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Collision & Comprehensive

Physical damage to your vehicles.

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Uninsured/Underinsured Motorist

Protection from drivers with too little insurance.

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Medical Payments/PIP

Chosen to match your needs.

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Hired & Non-Owned Auto

Liability when employees drive their own cars or rentals for work.

Special Considerations For Houston-Area Fleets

Name drivers, vehicle schedules, and radius of operations matter. Branded wraps, tool racks, or refrigerated units? We'll ensure endorsements match how you actually use the vehicles. If your operations expand, we can pair commercial auto with a BOP or General Liability for a cohesive program.

FAQs Business Owners Ask

  • My company doesn't own vehicles-do I still need coverage?

    Add hired/non-owned auto to protect your business when employees drive personal cars or rentals for work.

  • Will personal auto cover business use?

    Often excluded or limited. A commercial policy is safer for regular business driving.

  • Can I insure multiple vehicles?

    Yes-schedule several units on one policy and explore fleet discounts when eligible.