Protect Your Business on the Road

Commercial Auto Insurance in Fort Worth

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South Fwy Office:

7200 South Fwy. Fort Worth, TX 76134

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South Fwy Phone:

817-223-1886

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Hemphill Office:

4043 Hemphill St. Fort Worth, TX 76110

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Hemphill Phone:

817-952-9995

Vehicles That Work Deserve Real Protection

Drive Smart—Keep Your Business Moving

If your company owns or operates vehicles, even just one, you need commercial auto insurance. At VIP Insurance & Services, we help Fort Worth businesses protect their cars, vans, and trucks with coverage that’s clear, compliant, and cost-effective. Bilingual support comes standard—so does our local, personal service.

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Personal auto insurance doesn’t cover business use of a vehicle.

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You need commercial auto if your vehicle is titled to your business or used for deliveries, service, or transport.

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Liability, collision, and uninsured motorist coverage are key parts of a good policy.

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We work with businesses of all sizes—from sole proprietors to fleets.

What Commercial Auto Covers

We help you customize coverage that fits your business model, vehicle type, and risk exposure.

Talk to Us About Commercial Auto Options

Liability Coverage

Protects your business if your driver causes damage or injury to others on the road.

Physical Damage Coverage

Includes collision and comprehensive coverage for your company’s vehicles.

Uninsured/Underinsured Motorist

Helps cover costs if your business vehicle is hit by someone without enough insurance.

75%

75% of U.S. goods are transported by truck—making commercial vehicle insurance vital.


Source: U.S. Department of Transportation (DOT)

$1,200/year

The average cost of a commercial auto policy is around $1,200 annually per vehicle.


Source: NAIC (National Association of Insurance Commissioners)

1 in 3

1 in 3 small business claims involve auto accidents.


Source: The Hartford Small Business Index

Smart Questions from Fort Worth Business Owners

Commercial Auto Insurance FAQs

  • Do I need commercial auto insurance for just one vehicle?

    Yes. If the vehicle is used for business—deliveries, transporting tools, or carrying clients—you need commercial auto coverage.

  • Can I use personal auto insurance for my business vehicle?

    No. Most personal auto policies exclude business use. If you use a vehicle for work, you need proper coverage to avoid denied claims.

  • What types of businesses need commercial auto?

    Contractors, landscapers, delivery services, mobile businesses, and more. If you drive for work, commercial auto is likely required.

  • Does commercial auto cover my employees?

    Yes—if they’re listed drivers on your policy or driving covered vehicles. We’ll help you add them correctly.

  • How do I get a quote for commercial auto?

    Just call, visit, or click to get started. We’ll walk you through everything you need and find a policy that fits your needs and budget.