Commercial Auto Insurance
For Individuals and Families in TX, CA, OK, AR, TN and AZ

Commercial Auto Insurance
Whether you manage a single work truck or an entire fleet, Commercial Auto Insurance protects your vehicles, your employees, and your business from costly accidents. At Affluence Insurance Services, we match you with a policy that meets state laws, contract requirements, and real-world needs—without unnecessary extras.
What's Covered
Commercial auto insurance typically includes:
Liability Coverage
Covers bodily injury and property damage you cause to others.
Physical Damage
Collision and comprehensive coverage for your owned vehicles.
Medical Payments / PIP
Helps with medical costs for your drivers or passengers.
Uninsured/Underinsured Motorist
Protects you if another driver lacks sufficient coverage.
Optional Add-Ons
Rental reimbursement, towing, roadside assistance, and non-owned vehicle coverage.
Insure with Affluence
Meets State and Contractual Requirements
Keeps your business compliant and client-ready.
Covers Employees & Work Use
Personal auto policies often exclude work-related driving—this fills the gap.
Fleet or Single Vehicle Friendly
Flexible policies for contractors, delivery services, service fleets, and more.
Affordable Customization
Scale your coverage to fit your operations, risk profile, and vehicle types.
Frequently Asked Questions
Do I need commercial auto insurance for just one vehicle?
Yes—if the vehicle is used for work, you’ll need a commercial policy to ensure proper coverage.
Will it cover employees driving their own cars for work?
Not directly. You may need “hired and non-owned” auto coverage for those situations—we’ll guide you.
Is commercial auto more expensive than personal auto?
Not always. Rates depend on usage, vehicle type, and driver history. We’ll shop around to find the best value.
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Drive Your Business Forward—With the Right Coverage
Let Affluence Insurance Services help you build a commercial auto policy that’s efficient, compliant, and built around how your business runs.