Commercial Auto Insurance in Odessa, TX
Commercial auto insurance is designed to cover vehicles used for business purposes, helping you manage the financial impact of accidents or unexpected damage. At HSB Insurance Agency, LLC, we help Odessa, TX business owners find appropriate coverage.
What Is Commercial Auto Insurance? 
Commercial auto insurance is a policy tailored for vehicles used in businesses. It typically includes higher liability limits than a personal policy and offers optional coverage types suited to work-related driving.
A standard commercial auto insurance policy may include the following coverages:
- Liability insurance to assist if you or an employee causes an accident that results in third-party injury or property damage
- Collision coverage to help cover repairs after a crash
- Comprehensive coverage may help cover theft, vandalism or weather-related damage
- Uninsured/underinsured motorist coverage for accidents involving at-fault drivers with too little or no insurance
Whether you operate a single pickup truck or a fleet of service vans, your policy can be structured around your vehicles, drivers and routes.
What Factors Affect Commercial Auto Insurance Costs?
Premiums vary based on several risk-related and operational factors, including:
- Type of vehicles, including make, model and value
- How the vehicle is used, such as for delivery or service work
- Driving records of all employees behind the wheel
- Claims history, both for your business and the covered vehicles
- Coverage limits and deductibles, which impact how much the insurer is responsible for if a claim is filed
- Location, including traffic density and accident rates
Get a Commercial Auto Quote Today
HSB Insurance Agency, LLC works with Odessa, TX businesses to customize commercial auto insurance. Contact us today to request a quote or review your existing coverage.