Understanding Liability and Coverage Options for Your Business Vehicles in El Paso Insurance

Personal auto coverage often does not extend to business driving. Horizon Insurance offers commercial auto insurance options to help Texas drivers manage costs associated with work-related accidents.

Why Liability Coverage Matters

If a driver rear-ends another vehicle while making a delivery in a company-owned truck, your business may be responsible for resulting property damage and injury costs. While states require minimum commercial liability coverage, those limits may not fully cover more serious accidents involving multiple vehicles or injured parties. A commercial auto liability policy can help address third-party bodily injury and property damage, though coverage details may vary by policy.

Key Commercial Auto Insurance Options

Depending on how vehicles are used, businesses can layer additional coverage on top of basic liability. These may include:

• Collision coverage may cover damage to your vehicle in an accident, regardless of fault.
• Comprehensive coverage can provide coverage against theft, vandalism and other noncollision losses.
• Uninsured/underinsured motorist coverage may help cover costs when the at-fault driver has little or no insurance. In Texas, UM/UIM coverage must be offered by insurers, though policyholders can decline it in writing.
• Hired and non-owned auto coverage can provide protection for rented vehicles or employee-owned vehicles used for business.

Factors That Can Affect Your Premium

Several factors may influence your auto insurance costs, including:

• Number of vehicles insured
• Type of vehicles used
• Driver history and records
• Distance driven for work
• Nature of goods transported
• Industry risk level

Get A Quote or Learn More

Contact Horizon Insurance to schedule a coverage review and request a free custom quote.

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.