Commercial Auto Insurance Carrollton

Running a business in Carrollton, Texas often means relying on vehicles to get the job done. Whether you operate delivery vans, service trucks, or company cars, commercial auto insurance is essential for protecting your business from costly accidents, liability claims, and unexpected downtime.

At its core, commercial auto insurance provides coverage for vehicles used for business purposes—something personal auto policies typically do not cover. For businesses in Carrollton and the surrounding Dallas–Fort Worth area, the right policy can help ensure compliance with Texas law while safeguarding your financial stability.

What Does Commercial Auto Insurance Cover?

Commercial auto insurance policies can be customized to fit your specific operations. Common coverages include:

• Liability Coverage – Pays for bodily injury and property damage if your business vehicle causes an accident.

• Collision Coverage – Covers repairs or replacement of your vehicle after an accident, regardless of fault.

• Comprehensive Coverage – Protects against non-collision losses such as theft, vandalism, fire, or storm damage.

• Uninsured / Underinsured Motorist Coverage – Helps cover costs if your driver is hit by someone with little or no insurance.

• Medical Payments Coverage – Pays medical expenses for drivers and passengers injured in a covered accident.

Texas requires businesses to carry minimum liability limits, but many Carrollton businesses choose higher limits for added protection.

Who Needs Commercial Auto Insurance in Carrollton?

Commercial auto insurance is important for many types of local businesses, including:

• Contractors and tradespeople

• Delivery and courier services

• Landscaping and lawn care companies

• Real estate and property management firms

• Sales professionals using company vehicles

• Restaurants with delivery drivers

If a vehicle is owned, leased, or regularly used for business purposes, commercial auto insurance is typically required.