Commercial Auto Insurance

For Individuals and Families in TX, CA, OK, AR, TN and AZ
A truck is driving on a highway over a bridge.
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

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Meets State and Contractual Requirements

Keeps your business compliant and client-ready.

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Covers Employees & Work Use

Personal auto policies often exclude work-related driving—this fills the gap.

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Fleet or Single Vehicle Friendly

Flexible policies for contractors, delivery services, service fleets, and more.

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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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Get a Quote

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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.