Business Auto Insurance
Business Auto Insurance covers your vehicles, property, and passengers, delivering comprehensive protection and peace of mind, allowing you to concentrate on operations while keeping your company assets and clientele safeguarded.
We understand your industry's intricacies and provide expert auto coverage accordingly.
With over 30 years safeguarding commercial transportation operations, our seasoned advisors offer unparalleled guidance rooted in expertise across trucking and fleet management risks. We partner closely to craft coverage solutions protecting against vehicle accidents, cargo losses, regulatory violations, and rising operational costs while proactively addressing emerging mobility trends. Our steadfast commitment ensures your business vehicles, drivers, and assets remain comprehensively shielded as your transportation enterprise expands into new markets and services.
Our licensed commercial auto specialists cover transportation professionals, from local couriers to interstate trucking fleets. Closely monitoring safety regulations, road conditions, and emerging traffic risks, we take a proactive approach. This expertise guarantees your policy delivers comprehensive protection against vehicle damage, cargo loss, and accident liability.
Rising above conventional coverage with bespoke solutions for your enterprise. Encompassing safeguards from property losses to liability claims, from vehicle mishaps to cargo damages, our comprehensive policies leave no vulnerabilities behind for your automotive operations.
Hear from our customers
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Have been a client for almost 7 years. Kristina catches the phone on the first ring, makes me feel like I am the most important call of her day and always goes the extra mile to meet my needs or solve my problem. She is a keeper!!! She makes TWFG Khan Insurance Services better!!!!
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My Company CDS Protective Services LLC was in need of insurance and I was so frustrated that other companies had not getting back with me. I called Kristina on a late afternoon and had it all taken care of by the next morning. Kristina was knowledgeable and explained everything to me on the phone.
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Our company was in need of insurance and we were frustrated through other companies not getting back with us. I called Sameer on a late afternoon and had it all taken care of by 11:00 the next morning. He was knowledgeable and explained everything on the phone.
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TWFG Khan Insurance Services assisted our small family owned trucking company with commercial insurance in our first year of business. They were able to get us with the best company that would provide us a policy with the lowest rate. Not only that but their staff provides the most exceptional service, especially Chandler Bennett.
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Comprehensive professional protection, tailored to your industry's unique risks and compliance needs.
• Protects against bodily injuryclaims from accidents involving insured vehicles
• Covers property damage liabilityfrom collisions with other vehicles or structures
• Includes personal injury protectionfor medical expenses of insured drivers/passengers
• Provides uninsured motorist coveragefor injuries caused by uninsured drivers
• Covers repair/replacement costsfor insured vehicles after collisions or incidents
• Includes comprehensive coveragefor non-collision events like theft, vandalism, weather
• Offers loan/lease gap coverageto pay remaining loan on totaled vehicles
• Provides towing and labor coveragefor disabled vehicles and roadside assistance
• Pays medical expensesfor insured drivers and passengers
• Covers reasonable medical costsfrom injuries sustained in a covered accident
• Includes ambulance fees, surgery, hospitalizationand other necessary medical treatments
• Provides coverage regardlessof who was at fault
• Offers rental reimbursement coveragefor temporary transportation during covered repairs
• Includes coverage enhancementslike new vehicle replacement and full glass repair
• Covers liability for hired/non-owned autosused for business purposes
• Provides coverage for permanently attached equipmentlike plows, lifts, or specialized bodies
On average, Business Auto Insurance costs around $2,000 annually; however, individual premiums vary based on several factors:
Larger commercial vehicles or fleets utilized frequently face increased premiums due to their higher risk exposure and potential liability.
Businesses with drivers boasting clean records and extensive experience tend to secure lower rates compared to those with violations.
Premiums may be impacted by high-risk urban areas or regions prone to accidents, theft, or severe weather incidents.
Companies investing in rigorous driver safety education and vehicle maintenance plans often qualify for discounted premiums.
Businesses with a history of frequent or costly claims face higher premiums, as insurers seek to mitigate future risks.
Frequently Asked Questions
Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.
Business auto insurance typically covers vehicles owned or leased by the company for work-related purposes. Common covered vehicles include cars, vans, trucks, and service utility vehicles. However, specific policy terms may exclude certain vehicle types or require additional endorsements. Regularly update your insurer about vehicle changes and mileage estimates for appropriate coverage. Properly classifying vehicle usage ensures accurate premiums and protection.
Business auto insurance policies generally do not cover personal use of company-owned vehicles unless explicitly stated in the policy. Personal use beyond commuting is often excluded or requires separate endorsements. Maintaining clear vehicle use records and enforcing policies can help mitigate risks. Consulting your insurance provider and reviewing coverage annually is recommended to ensure compliance and adequate protection.
Implementing a comprehensive fleet safety program can help manage risks associated with employees driving for business. This may include driver screening, vehicle maintenance schedules, distracted driving policies, and ongoing safety training. Documenting protocols and consistently enforcing them can demonstrate due diligence. Regular policy reviews with your insurance provider can also identify potential coverage gaps or opportunities for risk mitigation.
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For over a decade, TWFG Khan Insurance Services has been the trusted partner for businesses across Texas and neighboring states. We specialize in complex insurance solutions for maritime, oil & gas, and construction industries where standard coverage isn't enough.
Don't let gaps in coverage put your business at risk. Our team of specialists will work with you to create a comprehensive protection plan that keeps your business secure and compliant.
Join the hundreds of businesses who trust us with their most critical insurance needs.
