Who Needs Commercial Auto Insurance?
If your vehicles are used for business—even just one work truck or delivery van—you probably need a commercial auto policy. This includes:
- Company-owned cars and trucks
- Delivery or service vehicles
- Personal vehicles used for business errands
- Fleets for contractors, farms, or transportation companies
Personal auto insurance usually won’t cover accidents that happen during business use. Our local agents help make sure you’re covered wherever business takes you.
What’s Covered—Business Auto Policy Essentials
Commercial auto insurance protects you with:
Liability
Covers damage or injury you (or an employee) cause while driving for business.
Collision & Comprehensive
Pays to repair or replace your company car, truck, or van after accidents, theft, storms, or vandalism.
Medical Payments
Covers medical expenses for drivers or passengers after a crash.
Uninsured/Underinsured Motorist
Protects your business if the other driver doesn’t have enough coverage.
Hired & Non-Owned Auto Coverage
Covers vehicles you rent or employees’ cars used for business tasks.
Higher Liability Limits
Greater protection for lawsuits and large claims than standard personal policies.
Covering Every Industry & Fleet Size—From One Truck to Many
Legacy Insurance Agency insures single business vehicles, mixed-use fleets, farm trucks, specialty vehicles (dump trucks, semis, contractor vehicles), and more. Serving Gonzales, LaVernia, Seguin, and all of Texas, our carrier lineup includes names like Progressive and other leaders in commercial auto and trucking insurance.
Affordable Coverage & Compliance Made Simple
Texas law requires minimum coverage for business vehicles—but many contracts and industries demand even higher limits. We shop multiple carriers to find you competitive rates, even for higher-risk vehicles or drivers. Our team also assists with proper filings (like Form E or SR-22, if needed) and helps you list every vehicle and driver—avoiding headaches at claim time.
Ask about bundling commercial auto with your general liability or BOP for possible discounts and easier management.
What to Expect—Fast Quotes, Clear Process
Be ready with your vehicle details, driver info, and how your vehicles are used. We’ll compare multiple policies and options, explain your choices, and make sure your business is fully protected—so you can focus on the road ahead.