Do I Need Commercial Auto Insurance in Weatherford, Texas? | Bergen Insurance Agency
For many small businesses in Weatherford, Texas, the line between a personal vehicle and a commercial vehicle can be unclear. Business owners and employees often use personal vehicles to travel to job sites, transport tools or equipment, or deliver goods and services.
However, personal auto insurance policies almost always exclude coverage for business use. That means if you’re involved in an accident while driving for work, your personal auto policy may not cover the damages—leaving you and your business financially exposed.
What Is Considered Commercial Use of a Vehicle?
Any vehicle used for business purposes should typically be covered under a commercial auto insurance policy. In many cases, business use of a vehicle can void a personal auto policy.
Your vehicle is generally considered to be used commercially if it’s used in any of the following ways:
Transporting Goods for a Fee
If your business uses a vehicle to make deliveries or transport goods, a commercial auto policy is required.
Employees Drive the Vehicle
If employees operate the vehicle for any reason, it is considered commercial use—even if it’s only occasional.
Regular Business Use
Vehicles used to pick up supplies, visit job sites, transport clients, or perform other business-related tasks typically qualify as commercial use.
Higher Liability or Specialized Coverage Needs
If your business requires higher liability limits or special coverage endorsements, a commercial auto insurance policy is usually necessary.
Do Your Business Vehicles Have the Right Coverage?
While it may seem harmless to use a personal car or truck for business tasks, doing so without proper commercial auto insurance in Weatherford, TX can result in significant out-of-pocket expenses after an accident.
Make sure all vehicles used for business purposes—and any employees who drive them—are protected with the appropriate commercial auto coverage.
Commercial Auto Insurance in Texas
Commercial auto insurance in Texas is a flexible form of coverage designed to protect businesses that own, lease, or use vehicles. It typically includes:
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Liability coverage for bodily injury and property damage
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Medical payments or Personal Injury Protection (PIP) for drivers and passengers
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Coverage for a variety of vehicle types and some motorized equipment
Hired and Non-Owned Auto Liability Coverage
If your business rents vehicles or allows employees to use their own vehicles for work, hired and non-owned auto liability insurance may be an important addition.
This coverage helps protect your business from liability claims that arise from:
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Rented or leased vehicles
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Employee-owned vehicles used while on the job
Hired and non-owned auto coverage can often be added affordably to a commercial auto policy or, in some cases, to a general liability policy.
Using Personal Vehicles for Business
It’s important to understand that personal auto insurance policies may not cover damage to privately owned vehicles when they’re used for business, regardless of your industry. A commercial auto insurance policy helps ensure your business is properly protected when vehicles are used for work-related activities.
Get a Commercial Auto Insurance Quote in Weatherford, Texas
If you’re looking for commercial auto insurance near Weatherford, TX, Bergen Insurance Agency is here to help. We work with multiple top-rated insurance carriers to find coverage that fits your business needs and budget.
Contact Bergen Insurance Agency today to discuss your commercial vehicle coverage and request a free, no-obligation quote.
Proudly Serving North Texas Communities
Bergen Insurance Agency proudly serves businesses throughout:
Springtown, Reno, Poolville, Azle, Boyd, Weatherford, Willow Park, Wise County, Parker County, Decatur, Mineral Wells, Peaster, Bridgeport, Brock, Granbury, Haslet, Newark, Paradise, Aledo, Hudson Oaks, and Haslet, Texas.