In Texas, Commercial Auto Insurance is essential for any vehicle used for business purposes beyond simple commuting. Here’s why you should consider it:

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• Business Use: If your vehicle is used for transporting goods, providing services, or conducting any business-related activities, a commercial policy is crucial.

• Enhanced Liability: For businesses with higher liability needs—such as those involving heavy equipment or transporting valuable cargo—a commercial auto policy offers increased coverage limits.

• Employee Operations: When employees drive company vehicles or if the vehicle is owned by a corporation or partnership, commercial insurance ensures comprehensive protection.

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Commercial Auto Insurance provides essential protection for your business vehicles, similar to personal auto policies but with specific enhancements for business needs. Here’s what it covers:

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• Bodily Injury Liability: Covers costs for injuries or death resulting from an accident for which you are at fault, including legal defense.

• Property Damage Liability: Protects you if your vehicle damages someone else's property and includes legal defense.

• Combined Single Limit (CSL): Offers a unified coverage amount for both bodily injury and property damage per incident, simplifying claims.

• Medical Payments/Personal Injury Protection: Pays medical expenses for you and your passengers resulting from a covered accident, regardless of fault.

• Uninsured Motorist Coverage: Covers injuries and, in some cases, property damage from accidents caused by uninsured or hit-and-run drivers. Often includes underinsured motorist coverage for cases where the at-fault driver’s insurance is insufficient.

• Comprehensive Physical Damage Coverage: Protects against damage or loss due to theft, vandalism, flood, fire, and other covered events.

• Collision Coverage: Covers damage to your vehicle from collisions with other objects or vehicles.

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