Commercial Auto Insurance in Texas

Work Vehicles Need Work-Specific Coverage

Personal auto insurance doesn’t cover business use. If your company owns, leases, or relies on vehicles for work, commercial auto is a must.

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What’s Included in Commercial Auto Coverage

Our Houston-area clients often choose:

Auto Liability

Covers injury or property damage you cause while driving a business vehicle.

Collision Coverage

Pays to repair or replace your vehicle if it’s damaged in a crash.

Comprehensive Coverage

Covers non-collision losses like theft, vandalism, weather, or animals.

Uninsured/Underinsured Motorist

Protects your business if someone else causes an accident and can’t pay.

Medical Payments or PIP

Covers medical expenses for you or your employees regardless of fault.

Hired & Non-Owned Auto

Covers employee vehicles or rented cars used for business purposes.

 Commercial Auto Insurance FAQs

  • Do I need this for just one work truck?

    Yes—even one vehicle used for business should be insured commercially.

  • Will it cover personal use of a company vehicle?

    Yes, but coverage varies—let us tailor the policy to your needs.

  • Can I include trailers or custom equipment?

    Yes—trailers, ladder racks, toolboxes, and other customizations can be covered.

  • What’s the difference between HNOA and fleet insurance?

    HNOA is for borrowed/employee vehicles; fleet is for company-owned vehicles.

  • Do you cover food trucks and mobile businesses?

    Yes—we specialize in covering all types of specialty commercial vehicles.

  • Can I insure seasonal or part-time use?

    Absolutely—just let us know your operation schedule.

Keep Your Business Moving Forward

At DeShazo Insurance, we help protect your company vehicles and the people who drive them. Whether you manage one car or a fleet, we’ll find the right commercial auto coverage for your needs.