Commercial Auto Insurance

Protect your business fleet with specialized commercial coverage

At Insurance Crib Insurance Agency, we understand that your vehicles are a vital part of your business. Whether you're a Plano contractor with a single truck or a Dallas delivery service with a full fleet, our policies offer the high liability limits and specialized protection required to keep your business moving forward.

Why Choose Us for your Commercial Auto Insurance?

• Tailored Solutions: We understand that every business is unique, which is why we offer personalized insurance solutions that fit your business needs and budget.

• Exceptional Service: Our experienced agents are here to guide you through the insurance process, answer your questions, and provide support when you need it most.

• Competitive Rates: Get affordable rates without compromising on coverage. We work with leading insurance providers to offer you the best value for your money.

Specialized Coverage for North Texas Businesses

Why North Texas business owners choose Insurance Crib Insurance Agency for their Commercial Auto Insurance needs in Plano, Dallas, and Frisco.

$1M Combined Single Limit (CSL)

Meet the strict requirements of DFW commercial contracts. We provide the high-limit liability coverage necessary for contractors to secure jobs in Plano, Dallas, and across North Texas.

Hired & Non-Owned Auto

Protect your business when employees use personal vehicles for company errands. This essential coverage bridges the gap between personal and business liability risks.

Managing three or more vehicles? We offer competitive fleet insurance rates for small businesses, helping you consolidate your coverage and reduce overhead costs.

Specialized Fleet Discounts

Inland Marine (Tool & Cargo)

Standard auto policies don't cover your gear. We protect the expensive tools, equipment, and cargo inside your service vans and trucks while they are in transit or on the job site

Protect your business income. If one of your drivers is hit by an underinsured driver in DFW traffic, this coverage ensures your repairs and medical costs are covered quickly.

Uninsured Motorist Protection

Prioritize your team's safety. Our policies include options for Personal Injury Protection (PIP) to cover medical expenses for your drivers, regardless of who is at fault.

Medical Payments & PIP

Coverage Details

Our Commercial auto insurance policies are designed to keep your business moving. Whether it's a minor fender bender or a major collision, we cover repair costs, medical expenses, and liability claims. We also offer flexible deductibles and premium options to fit your business needs.

At Insurance Crib, we believe in transparent, straightforward policies. Our North Texas commercial specialists will walk you through every detail of your coverage—including compliance requirements for DFW job sites—so you know exactly what your business is paying for.

Insurance for your Business Vehicles

Truck | Van | Fleet

Frequently asked questions

Common questions about our Commercial Auto Insurance policies.

What is 'Hired and Non-Owned' Auto Insurance?

This essential coverage protects your business if you or an employee gets into an accident while driving a personal vehicle for business errands (like picking up supplies in Dallas or meeting a client in Frisco). It's a critical safety net for small businesses.

Do I need commercial auto insurance if I use my personal truck for work?

Yes. Most personal auto policies in Plano and Dallas exclude coverage for business use. If you’re hauling equipment or visiting job sites in North Texas, a commercial policy ensures your business assets are protected in an accident

What is a Combined Single Limit (CSL)??

A CSL policy provides a single high limit of liability (often $1,000,000) that covers both bodily injury and property damage. Many commercial contracts in DFW require this specific coverage for contractors and service providers.

Can I get a Certificate of Insurance (COI) quickly for a job site?

We know that in the Dallas construction and service industry, time is money. Our agency prioritizes fast COI delivery so you can prove your $1M CSL coverage and get onto the job site without delay.

Can I bundle Commercial Auto with General Liability?

Absolutely. We often recommend bundling your policies to save money and ensure there are no gaps in your business insurance coverage. We help business owners in Plano, Dallas, and Frisco find the most competitive bundle rates.

Does my commercial auto policy cover my tools and equipment?

Standard auto insurance only covers the vehicle itself. To protect your tools, ladders, or specialized gear inside the van, you need an Inland Marine rider. We help North Texas contractors bundle this coverage to ensure their 'mobile workshop' is fully protected.

Do you offer fleet discounts for multiple vehicles?

Yes! If your business operates three or more vehicles, you may qualify for specialized Fleet Insurance rates. This allows you to consolidate your coverage into one easy-to-manage policy with significant cost savings for your Plano-based business.

Explore Related Services

Group Health Insurance

Offer competitive health benefits designed to help North Texas small businesses attract and retain top talent. We customize affordable medical plans that protect your employees and fit your company budget perfectly.

Discover other ways we can help protect what matters most to you.

General Liability

Protect your North Texas business from third-party claims involving bodily injury or property damage. An essential insurance foundation designed to keep any Plano or Dallas company completely safe from lawsuits.

Workers' Compensation

Ensure your team is fully protected on the job. We help DFW business owners find affordable Workers' Comp coverage to quickly meet all Texas state legal requirements and job site compliance standards.

Insurance Crib Insurance Agency Plano, Dallas & North Texas

We are an independent insurance agency offering auto, home, health, life, general liability, business and commercial auto insurance.

We serve families, businesses and commercial clients throughout the DFW Metroplex, including Plano, Dallas, Wylie, Frisco, Allen, and Richardson. As an independent broker, we shop and compare coverage options across multiple insurance carriers to find the right policy for your specific needs.

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