What Kind of Insurance Does My Work Truck Need? 

Running a business involves juggling multiple responsibilities, and one crucial aspect is protecting your assets.

If your business relies on vehicles—whether it’s a single delivery van or an entire fleet—commercial auto insurance becomes a vital shield against unexpected risks.

Understanding the nuances of commercial auto insurance in Texas is essential.

Is Commercial Auto Insurance Required in Texas?

Vehicles used for business activities, such as visiting clients or making deliveries, typically need commercial auto insurance. Texas requires drivers to prove that they could potentially cover the damage they cause in an accident. Most drivers, including those operating vehicles as part of their job, do this by purchasing auto liability insurance.

If you lease or finance your work truck, the lienholder can require you to purchase full coverage commercial auto insurance, including comprehensive and collision coverage. These policies may help pay to repair or replace your vehicle after a covered accident or incident.

Who Needs it?

Contractors play a vital role in construction, plumbing, electrical work and other trades. Their work vehicles need specialized coverage, whether they’re pickup trucks loaded with tools or utility trailers. Contractors’ vehicles face unique risks, such as equipment theft, accidental damage and liability claims.

Food trucks are a vibrant part of Texas culture. However, mobility comes with its own set of risks. Food truck owners need insurance to help cover the specialized kitchen equipment inside.

If your business involves transporting people for a fee—whether you run a taxi service, limousine company or rideshare business—you fall into the for-hire livery category. These vehicles face unique risks due to passenger safety and frequent use. For-hire livery insurance may help cover bodily injury, property damage and legal expenses.

Freight transportation companies, construction firms and logistics providers rely on heavy-duty trucks. Commercial auto insurance may help protect your investment by covering accidents, cargo damage and liability claims.

Tow trucks play a critical role in roadside assistance and vehicle recovery. If you operate a wrecker, rollback or flatbed, tow truck insurance is essential. It may help cover damage to your vehicle, liability claims and even the cost of replacing specialized equipment.

Contact Us

Regardless of the industry, having the right insurance ensures your business can operate smoothly even when unexpected incidents occur. Contact Atlas Insurance Services in Dallas, Texas, to build a commercial auto insurance plan tailored to your needs.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.