From one service van to a working fleet
Tell us about the pickups, vans, trucks and trailers that keep your work moving. Vehicle use, garaging, operating radius, drivers and vehicle ownership all shape the coverage conversation.
When an employee drives a personal vehicle
A supply run or client visit in an employee’s own car can still create an exposure for your business. Ask about hired and non-owned auto liability and its limitations; it is not a substitute for every driver’s own insurance.
Coordinate liability, physical damage and people
Discuss vehicle damage, liability limits, rented vehicles and attached equipment. An employee injured in a business auto accident may also raise workers’ compensation questions. Tools carried inside a van deserve a separate property review.
Texas commercial auto questions, answered
Liberty Union Insurance Group, Inc. helps Plano and Texas businesses review company vehicles, working fleets and employee driving exposures. Start with these practical questions before your next renewal.
Questions business owners ask
Does Texas require a policy called commercial auto?
The right policy depends on ownership, vehicle use and applicable requirements. Do not assume a personal policy satisfies business use, customer contracts or motor-carrier requirements. Describe your operation to Liberty Union before selecting coverage.
What if an employee causes a $1 million accident?
A $1 million loss is an illustrative amount, not a predicted claim. Payment depends on liability, covered vehicles and insureds, limits and exclusions. An umbrella or excess policy may respond only if its terms and underlying coverage requirements are met; costs above available limits can remain with the business.