Commercial Auto Insurance Frisco TX: Commercial Auto Insurance FAQs

Commercial Auto Insurance Frisco TXIf you own or run a business in North Texas that requires the use of a motor vehicle, you probably need commercial auto insurance Frisco TX.  Adding yet another expense in the form of insurance premiums to your already-strained budget may not be something you want to think about, but it’s important to remember that not having insurance for all of your business’s potential liabilities can result in a total loss of everything you’ve worked hard to build.  Here are the answers to some questions you may have about commercial auto insurance:

Commercial Auto Insurance Frisco TX:  Why Do I Need Commercial Vehicle Insurance?

You need commercial vehicle insurance for any motor vehicle you drive as part of your business, whether it’s a car, limousine, taxi, van, bus or small truck, because your personal car insurance will not cover them.  Commercial vehicle coverage protects you and your business from paying for property damage, injuries and liability claims resulting from the use of your vehicles.  For larger vehicles, like semi trucks, construction vehicles and tow trucks, you’ll need commercial truck insurance.  If your company uses a vehicle for business purposes or you have a vehicle that has a commercial license plate or you have a vehicle that is registered as a commercial vehicle (or any combination of these), you’ll need commercial auto insurance.  You may be required to get commercial coverage if you use your vehicle for carrying equipment, transporting flammable or hazardous material, delivering wholesale or retail products, delivering newspapers, transporting equipment for business use, using, carrying or transporting a crane, a winch or a plow, towing other vehicles, transporting people, trucking or freight transportation.

Business Insurance Frisco TX:  What Does Commercial Auto Insurance Cover?

Options and terms vary by insurance company, but typical coverage includes:

▪ Property damage liability coverage
▪ Liability coverage for bodily injury to others
▪ Optional liability coverage for bodily injury that occurs outside of Texas if you drive your vehicles out of state
▪ Personal injury coverage for you, your employees and passengers
▪ Collision coverage for costs associated with an accident
▪ Comprehensive coverage for non-accident-related damages
▪ Medical payments coverage
▪ Uninsured and underinsured motorist coverage
▪ Towing and labor costs

Commercial Insurance Frisco TX:  How Much Does Commercial Auto Insurance Cost?

As with your personal auto insurance, the cost of commercial auto insurance depends on a number of variables.  For commercial coverage, the price you’ll pay depends on the size of your business, the types and number of vehicles you want to insure, your business risks and the amount of coverage you need.  In general, smaller vehicles cost less to insure than heavy duty vehicles; however, some insurers offer fleet insurance that can provide a discount for multiple vehicles of any size.  Your driving record and the driving records of your employees are also a factor in determining how much you’ll pay for insurance; employees with bad driving records can cost you significantly more to insure.

To get the best commercial auto insurance Frisco TX at the best price, call the Anthony Blackmon Agency at (469) 291-9006.  You can also visit us online at to request a quote for your commercial auto insurance.

Commercial Auto Insurance Frisco TX
Anthony Blackmon Insurance Agency
9191 Kyser Way, Suite 200
Frisco, Texas 75034
(469) 362-8484

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