Commercial Auto & Truck Insurance in Bryan, TX
Protect your business vehicles with commercial auto and truck insurance. Safenet covers work vans, box trucks, dump trucks, hotshots, car haulers, fleets and owner-operators for contractors, service businesses and trucking companies in Bryan, College Station and across the Brazos Valley — including $750k primary liability, cargo and non-trucking liability. Independent agency comparing carriers. Se Habla Español.
Commercial Auto & Truck Insurance in Bryan–College Station
If your vehicle earns money, it needs a commercial policy. Safenet writes commercial auto for contractors, tradesmen, haulers and small fleets across Bryan-College Station and the wider Brazos Valley — comparing 50+ carrier partners including Progressive, Nationwide, Travelers, Berkshire Hathaway GUARD, Amwins and USLI.
The mistake that costs the most: Running a work truck on a personal auto policy. Carriers deny business-use claims after the fact, which can leave you paying for the other vehicle, your truck and the liability out of pocket. If the truck is titled to the business, lettered, or carrying tools, it belongs on a commercial policy.
Who We Write in the Brazos Valley
- Contractors, plumbers, electricians, HVAC and roofers with work trucks and vans
- Landscapers and lawn crews pulling trailers
- Box trucks, hotshots, dump trucks and flatbeds
- Oilfield and pipeline service vehicles
- Delivery vans and courier vehicles
- Small fleets — 1 to 25 units
- Owner-operators under their own authority or leased on
Need a certificate of insurance for a job starting this week? Call us — we can usually issue same day.
Most quotes take under 5 minutes. Hablamos Español.
Coverages That Belong on a Commercial Auto Policy
Primary liability
Required, and the coverage your contracts care about. Most Texas job sites and shippers require $1,000,000 combined single limit.
Physical damage — collision and comprehensive
Repairs or replaces your truck. If the unit is financed, your lender requires it. Downtime on a work truck costs more than the deductible, so check rental-reimbursement options too.
Cargo
Covers the freight or materials you are hauling. Shippers and brokers typically require $100,000; reefer and high-value loads need more, and reefer breakdown is a separate endorsement worth having.
Hired and non-owned auto
Protects the business when an employee drives a rented or personal vehicle for work. Inexpensive, and a common gap for small businesses.
Trailer interchange and non-owned trailer
If you pull trailers you do not own, this is the coverage that responds when one is damaged in your care.
Filings, Certificates and Paperwork
Getting insured is only half the job — you also have to prove it. We handle the paperwork that keeps you working: certificates of insurance for general contractors and facilities, additional insured and waiver of subrogation endorsements, DOT filings for motor carriers, and Texas state filings where required.
Hauling freight under your own authority? Start with our trucking insurance and owner operator insurance pages. Doing construction work? You will likely also need contractors general liability.
What Drives Your Commercial Auto Rate
- Vehicle class and gross weight
- Radius of operation — local, intermediate or long haul
- What you haul and for whom
- Driver MVRs, experience and CDL status
- Years in business and loss history
- Required limits and filings
- Deductibles you choose on physical damage
Send us your vehicle list, driver list and the limits your contract requires. We will shop it and come back with real numbers.
Most quotes take under 5 minutes. Hablamos Español.
Frequently Asked Questions
Do I need commercial auto insurance or will personal auto cover it?
If the vehicle is titled to a business, carries tools or equipment, hauls for hire, is wrapped with your business name, or is driven by employees, you need commercial auto. Personal policies routinely deny business-use claims — and finding that out after a wreck is the expensive way to learn it.
How much does commercial auto insurance cost in Texas?
It varies far more than personal auto because it depends on vehicle class, radius of operation, cargo, driver records and required limits. A single work van looks nothing like a hotshot running interstate. Send us your vehicle list and driver list and we will price it across our carrier partners.
Can you issue a certificate of insurance the same day?
Yes. Most general contractors and facilities will not let you on site without a COI, and we know that request is usually urgent. Call the office and we will get it issued and emailed to your GC.
Do you file DOT and MCS-90 filings?
Yes. We handle federal and Texas filings for motor carriers, including MCS-150 and MCS-90 where required. See our trucking insurance page and owner operator page.
What limits do I need?
Most Texas contracts require $1,000,000 combined single limit. Federal motor carriers hauling non-hazardous freight generally need $750,000 minimum, and most shippers demand $1,000,000. Check the contract before you buy — we will read it with you.
Do you insure new ventures with no history?
Yes. New DOT authority and first-year businesses pay more, but several of our carrier partners write new ventures. We know which ones will look at a clean MVR and which will not.
What about employees driving their own cars for work?
That is hired and non-owned auto coverage. If an employee causes a wreck while running a company errand, your business can be pulled into the claim even though you do not own the vehicle. It is inexpensive to add.
Can you cover a mixed fleet?
Yes — pickups, work vans, box trucks, dumps, tractors and trailers on one policy, with drivers scheduled and certificates issued as your jobs require.
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