Commercial Auto Insurance
Your Vehicles Work for Your Business. Their Insurance Should Too.
Whether you have one pickup, several service vans or a growing fleet, your vehicles are an important part of keeping your business moving.
At Lieck Insurance Agency, we’ll take the time to understand what you drive, who drives it, what you carry, where you travel and how the vehicles are used — then explore multiple insurance markets for coverage that fits your operation.
Multiple markets · Local Texas agency · Personal service
If You Use a Vehicle for Business, Let’s Talk.
Commercial auto isn’t just for large fleets. A single vehicle used for business can create exposures that may not be properly addressed by a personal auto policy. Some of the businesses we can help include:
Don’t see your business listed? That’s okay. If vehicles are part of your operation, talk to us about your options.
More Than a Vehicle. It’s Part of Your Business.
An Employee Causes an Accident.
When an employee is driving for your business, an accident can expose the business — not just the driver — to significant liability.
Your Work Vehicle Is Damaged.
A wreck, theft, hail or other covered loss can take an important vehicle off the road and disrupt your operation.
Tools or Equipment Travel With You.
Contractors and service businesses often carry thousands of dollars in tools and equipment. Commercial auto doesn't necessarily cover everything inside the vehicle, so we'll look at the bigger picture.
Employees Use Vehicles You Don’t Own.
Employees may use personal vehicles for errands, sales calls, patient visits or other company business. That can create an exposure even when your company doesn't own the vehicle.
Commercial Auto Coverage Built Around Your Business
Liability Coverage
Helps protect your business against certain claims for bodily injury or property damage when a covered driver causes an accident.
Collision Coverage
Helps pay for covered damage to your insured vehicle resulting from a collision, subject to the policy deductible.
Comprehensive Coverage
Helps protect covered vehicles against certain non-collision losses such as theft, vandalism, hail and other covered events.
Uninsured / Underinsured Motorist
Coverage may be available to help protect against certain losses involving drivers who have no insurance or don't carry enough.
Hired & Non-Owned Auto
Important for some businesses that rent, borrow or use vehicles they don’t own — including situations where employees use personal vehicles for company business.
Medical / Injury Coverages
Available coverages can help address certain injuries resulting from a covered commercial auto accident.
Additional Coverage for Tools & Equipment
If tools, materials or equipment travel with your vehicles, we'll discuss whether additional coverage such as inland marine should be part of your insurance program.
Your Fleet May Give You More Options.
Businesses operating multiple vehicles may have access to additional insurance programs and risk-management tools.
Depending on the business and insurance program, telematics and GPS fleet-management systems may help document driving behavior, improve fleet safety and potentially qualify a business for available insurance savings.
Ask us about available fleet and telematics programs.
Why Businesses Choose Lieck Insurance Agency for Commercial Auto
We Look at How You Actually Use the Vehicles.
A contractor's pickup, a home health employee visiting patients and a restaurant delivery vehicle don't have the same exposure. We start by understanding how your vehicles fit into your business.
One Vehicle or a Growing Fleet.
You don't need ten trucks to need commercial auto insurance. We can help businesses ranging from a single commercial vehicle to operations with multiple vehicles and drivers.
Multiple Markets. More Options.
Commercial auto appetites and pricing can vary significantly. As an independent agency, we can explore multiple insurance markets to help find coverage that fits your business.