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Commercial Auto Insurance

If your business puts vehicles on the road — whether a single van or a fleet of trucks — commercial auto insurance covers what personal auto policies won’t. Harvey Insurance writes commercial auto for Texas businesses across every industry.

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5★
Average Rating
10+
Years in Business
1,000+
Families Protected
24/7
Claims Support

Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.

Coverage for Vehicles in Business Use

Texas has more commercial driving than almost any state — oil-and-gas service trucks, distribution and logistics, construction and contractor vehicles, mobile service businesses, sales fleets. Personal auto policies don’t cover business use, and using the wrong policy on a business vehicle can mean a denied claim when you need coverage most. Harvey Insurance has been writing commercial auto for Texas businesses for years. Give us a call and we’ll walk through what you actually need.

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What’s Covered

Commercial Auto Coverage Details

We provide comprehensive commercial auto coverage for Texas businesses — from single-vehicle service operations to multi-vehicle fleets.

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Commercial Liability
Covers bodily injury and property damage caused by your employees while driving company vehicles.
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Collision & Comprehensive
Repairs or replaces covered vehicles after accidents, theft, vandalism, hail, or other covered events.
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Uninsured Motorist
Protects your drivers and vehicles when they're hit by an uninsured or underinsured driver.
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Hired & Non-Owned Auto
Covers liability when employees drive personal or rented vehicles on company business.
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Fleet Programs
Multi-vehicle discounts and streamlined management for businesses with 3 or more commercial vehicles.
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Driver Safety Discounts
Premium reductions available for businesses with driver training programs and clean fleet records.
Across Texas

Common Texas commercial auto situations

A few configurations we see most often:

Single Vehicle

One Truck or Van

Sole proprietors, contractors, mobile service businesses. One vehicle in business use, full commercial auto coverage tailored to how you actually drive it.

Small Fleet

Multi-Vehicle Operations

Distribution businesses, contractors, oilfield service operations. Fleet policies cover multiple vehicles and drivers under one structure with consistent terms.

Specialty Use

Heavy & Hazardous

Tow trucks, dump trucks, hazardous-material carriers, tankers. Higher liability requirements and specialized policy considerations.

Why Harvey Insurance

Built on trust. Driven by service.

We’re not a call center or an app. We’re a local agency that treats every client like a neighbor — because most of them are.

01

Backed by Trusted Carriers

We work with the most trusted and recognized carriers in the country — giving our Texas clients access to strong coverage and reliable claims support.

02

True Local Expertise

We understand the specific risks Texas residents and businesses face and write every policy with that knowledge front and center.

03

Genuine Relationships

When you have a question or a claim, you reach us — the same people who wrote your policy. We know your name and advocate for you, every time.

Client Reviews

Real people. Real results.

FAQ

Common questions about commercial auto insurance

Who needs commercial auto insurance in Texas?
Any business that owns vehicles, and any owner or employee who uses a vehicle for work beyond commuting — hauling tools or materials, visiting job sites, making deliveries, carrying paying passengers. If the vehicle earns money, it needs a commercial policy.
What’s the difference between personal and commercial auto coverage?
Personal policies exclude most business use — and that exclusion surfaces at claim time, not purchase time. Commercial policies cover business operations, allow higher liability limits, cover employees driving with permission, and can include equipment and upfitting a personal policy ignores.
Are my employees covered when they drive company vehicles?
Under a properly written commercial policy, yes — permissive users driving covered vehicles for business are protected. The exposure people miss is the reverse: employees using their own cars for work errands, which is what hired & non-owned coverage exists for.
What is hired & non-owned auto coverage?
It protects the business when vehicles it doesn’t own are used for work — an employee’s personal car on a supply run, a rented truck. Without it, that employee’s accident can become the business’s lawsuit with no coverage behind it. It’s inexpensive and standard for any business whose staff ever drive for work.
What liability limits does a business need?
Well above personal minimums — commercial claims involve commercial-sized lawsuits. Many client and general-contractor agreements require $1 million combined single limit, so the contracts you want to win often set the floor for you.
Do contractors and tradespeople really need commercial auto?
More than almost anyone. A truck carrying tools to job sites is textbook business use — exactly what personal policies exclude — and GCs routinely require commercial auto certificates before you set foot on site. It’s a cost of doing business that protects the business.

Ready to insure your business vehicles?

Quotes vary by vehicle and use — same-day callbacks from a local agent.

Sales
(469) 513-3379
Email
sales@harveyinsurance.co
Location
Addison, TX — Serving TX, OK & AR
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