Commercial Auto Insurance rates have been one of the biggest challenges facing Texas business owners over the past several years.
Many home service businesses, including pest control companies, HVAC contractors, plumbers, electricians, painters, and landscapers have experienced significant premium increases despite maintaining strong safety records.
The good news?
Not every business owner is stuck paying those increases.
Recently, our team at Mauceri Bynum Insurance helped a Texas pest control company achieve something many business owners think is impossible:
✅ Saved over $42,000 annually on Commercial Auto Insurance
✅ Increased coverage limits
✅ Lowered deductibles
✅ Moved from a non-standard market to an A-Rated standard commercial carrier
And no, we didn't reduce coverage to get there.
In fact, we improved it.
Like many home service businesses, this pest control company relies heavily on its fleet of vehicles.
Their technicians are on the road every day servicing residential and commercial customers across Texas.
Over time, their Commercial Auto premiums had continued to increase despite no major changes to operations.
When they came to us, they were facing:
Most business owners assume they have no choice but to accept these increases.
That's where they're often wrong.
Commercial Auto Insurance is one of the most challenging insurance markets in the country today.
Several factors are driving rates higher:
🚗 Increased vehicle repair costs
🚗 Rising medical expenses
🚗 More distracted driving accidents
🚗 Larger lawsuit settlements
🚗 Increased labor and parts costs
🚗 More severe weather claims across Texas
As a result, many insurance companies have tightened underwriting guidelines or exited certain industries altogether.
Many agents simply submit an application to one or two insurance companies and wait for a quote.
That's not how we approach Commercial Insurance.
Our team takes the time to understand:
✔ Fleet size
✔ Driver profiles
✔ Vehicle usage
✔ Safety procedures
✔ Hiring practices
✔ Loss history
✔ Growth plans
Then we strategically market the account to carriers that fit the business best.
In many cases, we can negotiate directly with underwriters to improve pricing and coverage terms.
After reviewing the account and approaching multiple insurance carriers, we were able to:
✅ Reduce annual Commercial Auto premiums by over $42,000
✅ Increase coverage protection
✅ Lower deductibles
✅ Improve carrier quality
✅ Position the company for better long-term stability
Most importantly, the business owner walked away with a stronger insurance program—not a stripped-down policy.
The pest control industry isn't the only sector where we're finding opportunities.
We're currently seeing strong Commercial Auto results for:
Many of these businesses operate multiple vehicles and face the same Commercial Auto challenges.
One of the biggest mistakes business owners make is waiting until the last minute to shop their Commercial Insurance.
The best Commercial Auto results often require:
✔ Reviewing current policies
✔ Gathering loss runs
✔ Collecting driver information
✔ Negotiating with underwriters
✔ Exploring multiple carrier options
The earlier the process begins, the more opportunities we have to improve pricing and coverage.
For businesses renewing in January, October through December is often the ideal time to start.
Unlike many agencies, we don't charge broker fees.
We also:
✔ Work with 30+ commercial insurance carriers
✔ Service policies in-house
✔ Re-shop renewals
✔ Answer calls live during business hours
✔ Provide fast certificates of insurance
✔ Negotiate directly with underwriters
✔ Work with businesses ranging from startups to companies with hundreds of employees
Whether you have one vehicle or an entire fleet, our goal is to help you find the best long-term insurance solution for your business.
If you're a Texas business owner and your Commercial Auto Insurance keeps increasing year after year, it may be time for a second opinion.
You could be paying more than necessary—or missing opportunities to improve your coverage.
👉 Request a Commercial Insurance Quote Today:
https://www.agentinsure.com/compare/auto-insurance-home-insurance/mauceriagency/quote.aspx
Our team will review your current program and help identify opportunities for savings and improved protection.
Mauceri Bynum Insurance has proudly been voted Best of McKinney for 12 years in a row.
📍 Located in Historic Downtown McKinney
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.
Local Service. No Broker Fees. Commercial Insurance Done Right.
