If you own a business in Texas, you may be wondering: “Do I really need Commercial Auto Insurance?” The answer depends on how your vehicle is being used. Many small business owners start with a personal auto policy, but once that vehicle is used for work, there are important reasons to switch to a Commercial Auto Insurance policy.
At Mauceri Bynum Insurance, we help business owners in McKinney and across North Texas navigate the difference between personal auto insurance and business auto insurance, ensuring their company vehicles are properly covered.
Commercial Auto Insurance (sometimes called Business Auto Insurance) provides coverage for vehicles owned or used by a business. Unlike personal auto policies, commercial policies are designed to cover:
Company-owned vehicles 🚙
Wrapped vehicles with business logos/advertising 🎨
Vehicles hauling tools, equipment, or goods 🛠️
Employees driving company cars 👩💼
Trucks, vans, and larger vehicles used for business 🚛
Most Commercial Auto Insurance policies will start with at least a $1 million liability limit to better protect your business against lawsuits and claims. Another key difference is that the Named Insured is typically the business (company name), not just the individual driver. This ensures that liability protection extends directly to your company in the event of an accident.
You may need Commercial Auto Insurance in Texas if:
Your vehicle is registered in the business name.
A personal auto policy may not cover it.
You have a wrapped vehicle with your business logo.
Advertising turns your car into a business vehicle.
You use your vehicle to transport goods, equipment, or employees.
This includes contractors, delivery drivers, landscapers, and service professionals.
Your vehicle is larger than a standard SUV or pickup.
Heavier trucks often require trucking insurance or a commercial auto policy.
You need higher liability limits.
Businesses face higher risks, so you may need broader coverage than personal auto provides.
Even if your business doesn’t own a company vehicle, you may still face auto liability risks if your employees drive their own cars for work-related activities (like client meetings, deliveries, or errands).
To stay protected:
Carry Hired & Non-Owned Auto Liability (HNOA) on your General Liability or Commercial Auto policy.
Encourage employees to update their personal auto policy to reflect Business Use.
Consider requiring employees to list your business as an Additional Interest on their auto policy.
These steps can help safeguard your business against lawsuits and liability if an employee is involved in an accident while working.
Mauceri Bynum Insurance works with top-rated carriers to provide competitive rates and flexible coverage, including:
Progressive – one of the largest commercial auto insurers in the U.S.
Geico – affordable options for small businesses.
Travelers & Chubb – strong commercial auto programs with customizable coverage.
Liberty Mutual & National General – great for fleets and specialty risks.
Mercury, Hartford, Bristol West, Allstate, Kemper, and State Auto – competitive programs for contractors, service businesses, and more.
With access to so many markets, we’re able to shop the best price and coverage combination for your business vehicles.
Driving without the right coverage can put your business at risk. Commercial Auto Insurance helps cover:
Auto accidents and liability
Property damage
Injuries to drivers or passengers
Towing and roadside assistance
Uninsured/underinsured motorists
Employee-owned vehicle exposure (via HNOA coverage)
Whether you run a single wrapped vehicle, have employees driving their own cars, or manage a fleet of trucks, we’ll make sure you’re properly protected.
👉 Start your Commercial Auto Insurance Quote today.
Mauceri Bynum Insurance has been proudly voted Best of McKinney for the past 11 years in a row!
📍 Located in the heart of McKinney’s Historic Downtown Square:
301 E Virginia Street, Suite 201, McKinney, TX 75069
📞 Stop by, call us, or start your quote online today—we’re here to help protect what matters most.
(214) 733-8400
