Commercial Auto Insurance in San Antonio, TX – Dowd Insurance Agency

Commercial Auto Insurance in Central Texas & the Texas Hill Country

Serving Cedar Park, San Antonio, and surrounding communities

If your business owns, leases, or uses vehicles, you need more than a personal auto policy. You need commercial auto insurance designed specifically for business risk.

At Dowd Insurance Agency, we help business owners across Central Texas — from Cedar Park to San Antonio and throughout the Texas Hill Country — protect their vehicles, drivers, and bottom line with customized commercial auto coverage.

Whether you operate a single work truck or manage a fleet of service vehicles, we build policies that protect your business the right way.

What Is Commercial Auto Insurance?

Commercial auto insurance provides liability and physical damage coverage for vehicles used in business operations. This includes:

• Company-owned cars, trucks, and vans
• Service vehicles and contractor trucks
• Delivery vehicles
• Fleet vehicles
• Vehicles titled in the business name
• Certain employee-driven vehicles used for business purposes

Here’s the key difference:

Personal auto insurance covers private use.
Commercial auto insurance covers business-related liability exposure.

If your vehicle is involved in an accident while performing work duties, a personal auto policy may deny the claim. That’s a risk most business owners can’t afford to take.

Why Central Texas Businesses Need Commercial Auto Coverage

The Hill Country is growing fast. More traffic. More construction. More service-based businesses on the road daily.

From Cedar Park contractors heading to job sites in Georgetown, to San Antonio delivery drivers navigating I-35, your vehicles are exposed to:

• High liability limits needed for commercial claims
• Increased accident frequency in growing metro areas
• Expensive vehicle repair and replacement costs
• Potential lawsuits involving bodily injury

One serious accident can threaten your company’s financial stability. Proper commercial auto insurance protects your business assets — not just your vehicles.

What Does Commercial Auto Insurance Cover?

1. Liability Coverage

This is the foundation of any commercial auto policy.

• Bodily Injury Liability – Covers medical expenses, lost wages, and legal costs if your driver injures someone.
• Property Damage Liability – Pays for damage to another vehicle or property.

In today’s legal climate, state minimum limits are rarely sufficient for business exposure. We typically recommend higher liability limits — and often a commercial umbrella policy — to protect against catastrophic claims.

2. Physical Damage Coverage

• Collision – Covers damage to your vehicle after an accident.
• Comprehensive – Covers non-collision losses such as theft, hail, vandalism, or fire.

In Central Texas, hail claims alone make comprehensive coverage essential.

3. Uninsured / Underinsured Motorist Coverage

Not every driver on Texas roads carries adequate insurance. This coverage protects your business if your vehicle is hit by someone with insufficient limits.

4. Medical Payments or Personal Injury Protection (PIP)

Helps cover medical expenses for your driver and passengers, regardless of fault.

5. Hired & Non-Owned Auto Coverage (HNOA)

This is one of the most misunderstood exposures.

If:

• An employee runs errands in their personal vehicle
• You rent a vehicle for business use
• You occasionally use a borrowed truck

Your business could still be liable.

HNOA coverage fills this gap — something many business owners don’t realize they need until it’s too late.

Who Needs Commercial Auto Insurance?

If you answer “yes” to any of the following, you likely need commercial auto coverage:

• Is the vehicle titled in your business name?
• Do employees drive it?
• Is it used to transport tools, equipment, or goods?
• Is it wrapped or branded with your company logo?
• Do you make deliveries or travel between job sites?

Industries we commonly insure across Cedar Park, San Antonio, and the Texas Hill Country include:

• Contractors and construction companies
• Electricians and plumbers
• HVAC companies
• Landscapers
• Realtors and property managers
• Delivery services
• Professional service firms

Commercial Auto vs. Personal Auto: Why It Matters

Here’s a simple example:

A contractor in Cedar Park rear-ends another vehicle while driving to a job site. If insured under a personal auto policy, the carrier could deny the claim because the vehicle was being used for business purposes.

Now imagine that claim involves serious bodily injury.

That’s not just a vehicle repair — that’s a lawsuit risk.

Commercial auto policies are designed with higher limits, broader definitions of insured drivers, and business liability protection.

How Much Does Commercial Auto Insurance Cost in Central Texas?

Cost depends on:

• Type of business
• Number and type of vehicles
• Driving records
• Radius of travel
• Vehicle usage
• Coverage limits selected

A single service truck in Cedar Park will be rated differently than a multi-vehicle fleet operating throughout San Antonio.

Our job at Dowd Insurance Agency is to balance cost with proper protection — not just chase the lowest premium.

Cheap insurance is expensive when coverage fails.

Frequently Asked Questions About Commercial Auto Insurance

Do I need commercial auto if I’m a sole proprietor?

If you use your vehicle for business — even occasionally — you may still need commercial coverage or at minimum Hired & Non-Owned Auto. We’ll review your situation carefully.

What liability limits should I carry?

For most businesses in Central Texas, we recommend limits well above Texas state minimums. Many businesses also add a commercial umbrella policy for additional protection.

Does commercial auto cover tools and equipment?

Generally, no. Tools are usually covered under inland marine or contractor equipment coverage — not auto physical damage. We can structure both properly.

What if my employee causes an accident?

If they are listed as a covered driver and operating within business duties, your commercial auto policy responds.

Can I bundle commercial auto with other policies?

Absolutely. Many clients combine commercial auto with:

• General liability
• Business owners policy (BOP)
• Workers’ compensation
• Commercial umbrella

Bundling can improve coverage consistency and often reduce premium.

Why Work with Dowd Insurance Agency?

We are a locally focused agency serving businesses across:

• Cedar Park
• Leander
• Georgetown
• Liberty Hill
• Round Rock
• Dripping Springs
• New Braunfels
• San Antonio
• And throughout the Texas Hill Country

We understand the growth, traffic patterns, weather exposures, and legal climate affecting Central Texas businesses.

We don’t just quote policies. We evaluate risk, identify coverage gaps, and build protection strategies that align with your business goals.

Get a Commercial Auto Insurance Quote Today

If your business operates vehicles anywhere from Cedar Park to San Antonio, now is the time to make sure your coverage is structured correctly.

Contact Dowd Insurance Agency today for a customized commercial auto insurance review and quote.

Protect your vehicles. Protect your drivers. Protect your business