Commercial auto insurance in San Antonio
Work trucks, contractor vans, food trucks and delivery vehicles need coverage a personal auto policy will deny.
How we approach commercial auto coverage
If you haul tools to job sites in Converse, deliver catering across the city or run a taco truck at Hemisfair, a personal auto policy can deny the claim. Commercial auto insures vehicles and drivers used for business.
We handle vehicle schedules, employee drivers, hired and non-owned auto coverage and the certificates your general contractors require.
- Driver add and delete by text or email
- Fleet discounts from 3+ vehicles
- Contractor certificates fast
- Claims help to get back on the road
What's included
Core protections and the options our agents most often recommend. Exact coverage depends on the carrier and your policy terms.
Commercial liability
Injuries and damage caused by your business vehicles.
Physical damage
Collision and comprehensive for trucks, vans and trailers.
Hired and non-owned auto
Employees driving their own or rented vehicles for work.
Tools and equipment
Inland marine coverage for tools stored in vehicles.
Uninsured motorist
Protection for your drivers when the other party has no insurance.
Food truck equipment
Coverage for built-in kitchen equipment and generators.
How getting covered works
- 1
Vehicle and driver list
VINs, driver licenses and how vehicles are used.
- 2
Radius and usage review
Local versus long-haul travel changes pricing.
- 3
Carrier comparison
Small fleet specialists quoted side by side.
- 4
Filings and certificates
Certificates for contractors and any required filings.
What affects your price
Carriers weigh these factors differently, which is exactly why comparing several of them pays off.
- Vehicle type and weight
- Heavier trucks carry more liability exposure.
- Driver records
- Every listed driver's MVR is reviewed.
- Radius of operation
- Local work within 50 miles rates lower.
- Industry
- Delivery and hauling differ from service trades.
Commercial auto insurance questions
More answers on our FAQ page.
Personal policies usually exclude vehicles used for deliveries, hauling for hire or regular business use. Ask us before you rely on it.
Rideshare drivers usually need a rideshare endorsement rather than full commercial auto. We can add that to your personal policy.
Yes. We combine commercial auto with equipment and general liability for food trucks and trailers.
Often paired with commercial auto
Business owners policy
Property, general liability and business income combined for small businesses.
View coverage
Workers' compensation
Workers' compensation and nonsubscriber options for Texas employers with 1 to 100 employees.
View coverage
Auto insurance
Liability, full coverage, uninsured motorist and roadside help, shopped across 20+ carriers.
View coverageCompare commercial auto quotes today
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