Commercial Auto
Commercial Auto insurance protects your vehicles, property, and guests with maximum coverage, providing complete peace of mind.
Comprehensive coverage tailored by experts for your distinctive business auto needs.
With decades of specialized experience protecting the transportation industry, our commercial auto advisors bring deep understanding of logistics risks to every client relationship. We work closely with you to develop customized auto insurance solutions that address cargo liability, driver safety, and vehicle management challenges while anticipating regulatory changes. Our commitment to ongoing guidance ensures your trucking or delivery operation maintains robust protection as your fleet size and coverage needs evolve.
Seasoned commercial auto insurance experts cover a wide array of businesses, from local delivery fleets to interstate trucking operations. By keenly monitoring motor carrier regulations, transportation laws, and industry safety metrics, we maintain a proactive stance on emerging threats. This specialized expertise delivers comprehensive protection against cargo losses, vehicle accidents, and driver liability issues.
Going above and beyond basic coverage with tailored solutions for transportation businesses. Our comprehensive policies range from property damage to commercial liability, from employee protection to cargo coverage, ensuring every aspect of your operations is fully safeguarded with zero vulnerability.
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.
• Bodily Injury Protectionfor injuries to third parties caused by insured drivers
• Property Damage Liabilitycovering damage to others' vehicles or property
• Uninsured/Underinsured Motorist Coverageif your vehicle is hit by an uninsured driver
• No-Fault Benefitssuch as medical expenses and lost wages
• Collision Coveragefor repairs after an accident
• Comprehensive Coveragefor non-collision incidents like theft, vandalism, or weather
• Rental Reimbursementfor temporary transportation if your vehicle is undrivable
• Towing and Laborfor breakdowns or if your vehicle gets stuck
• Medical Expense Benefitsfor driver and passenger medical costs
• Income Loss Coveragefor lost wages due to accident injuries
• Accidental Death Benefitspaid to beneficiaries for fatal accidents
• Ambulance and Funeral Costsrelated to injuries or death
• Hired/Non-Owned Auto Liabilityif employees drive personal vehicles for business
• Motor Truck Cargo Coveragefor goods transported in commercial vehicles
• Trailer Interchange Coveragefor non-owned trailers temporarily used
• Loan/Lease Gap Coveragefor outstanding balances after a total loss
On average, Commercial Auto insurance costs around $2,500 annually; however, individual premiums vary based on several factors:
Larger commercial fleets and higher-risk vehicle classes often incur increased premiums to account for greater exposure and likelihood of claims.
Companies with experienced, safety-conscious drivers typically receive lower rates compared to fleets with more inexperienced or high-risk driving histories.
Fleets implementing telematics systems and advanced safety features like collision avoidance can qualify for premium discounts due to reduced risk profiles.
Premiums may be higher for fleets operating in urban areas or along hazardous routes, reflecting increased accident and theft risks.
Transporting hazardous materials or high-value cargo often results in higher premiums due to the potential for catastrophic losses or liability.
Frequently Asked Questions
Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.
A commercial auto policy typically covers vehicles owned or leased by the business and used for work purposes. This can include trucks, vans, semi-trailers, or company cars. Coverage often extends to hired and non-owned vehicles as well. Eligibility and rates depend on vehicle types, usage, and driver details. Regular reviews are recommended to ensure all business vehicles are properly insured. Promptly updating policies when acquiring or retiring vehicles helps maintain adequate protection.
Most commercial auto policies exclude coverage for personal use of company vehicles. If an employee uses a company car for personal errands or commuting, the policy may not apply in case of an accident. Some insurers offer extensions for limited personal use by designated drivers. Businesses should outline clear guidelines for personal vehicle usage to mitigate liability risks. Maintaining accurate records and appropriate coverage is crucial for managing risks associated with vehicle operations.
Implementing robust driver safety programs, maintaining good vehicle maintenance records, and improving driver hiring practices can help lower commercial auto premiums. Many insurers offer discounts for safety features like GPS tracking, dash cams, or usage-based telematics. Higher deductibles reduce rates but increase out-of-pocket costs after a claim. Periodically reviewing coverage needs and shopping around for competitive quotes ensures optimal value. Working closely with insurers and following best practices minimizes risks and associated costs.
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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.
