Commercial Auto Insurance in College Station, TX
Work vans, trucks, trailers and small fleets for College Station businesses — with same-day certificates of insurance when a property manager or job site is waiting.
Commercial Auto Insurance in College Station, TX
College Station runs on service vehicles. Property managers maintaining thousands of rental units, landscaping crews working apartment complexes and HOA subdivisions, delivery and courier drivers around campus, trades working new construction on the south and west sides, and the businesses supplying a university town. If a vehicle earns money, it needs a commercial policy — and Safenet compares 50+ carrier partners to place it.
The mistake that costs the most: Running a work vehicle on a personal auto policy. Carriers deny business-use claims after the fact, which can leave you paying for the other vehicle, your own, and the liability out of pocket. If the vehicle is titled to the business, lettered, or carrying tools, it belongs on a commercial policy.
Who We Write in College Station
- Property management and apartment maintenance vans
- Landscaping and lawn crews serving complexes and HOA subdivisions
- Trades — plumbing, electrical, HVAC, roofing — on residential and commercial work
- Delivery, courier and food-delivery drivers around campus
- Cleaning and turnover crews working student rentals
- Contractors on new construction south and west of town
- Small fleets — 1 to 25 units
- Businesses needing certificates for university or municipal work
Job starting this week and the property manager wants a certificate? Call us — we can usually issue same day.
Coverages on a Commercial Auto Policy
Primary liability
Required, and the coverage your contracts care about. Most College Station property managers, complexes and municipal contracts require $1,000,000 combined single limit.
Physical damage
Collision and comprehensive on your own vehicles. Required by your lender if financed — and downtime on a work van costs more than the deductible, so look at rental reimbursement too.
Hired and non-owned auto
Covers the business when an employee drives their own or a rented vehicle for work. Inexpensive, and one of the most common gaps for small service businesses.
Tools, equipment and cargo
What you carry is generally not covered by the auto policy itself. Tools and equipment need to be scheduled, usually under an inland marine or contractors equipment form.
Trailers
Scheduled separately. If you pull trailers you do not own, ask about non-owned trailer coverage.
Certificates, Additional Insureds and Getting on Site
In a rental-heavy market, most of the work is gated by paperwork. We issue certificates of insurance the same day, add additional insured and waiver of subrogation endorsements, and read the insurance requirements in your contract so you buy what is actually required. If a property manager or the university is waiting on a COI, call 979-823-2626.
What Drives Your Rate
- Vehicle class, weight and value
- Radius of operation
- What you carry and what you do with it
- Driver MVRs and how many drivers
- Years in business and loss history
- Required limits and endorsements
- Deductibles selected on physical damage
Send us your vehicle list, driver list and the limits your contract requires.
Related Commercial Coverage
- Commercial auto in Bryan
- Business insurance — general liability, BOP, property
- Contractors general liability
- Trucking and owner operator
- All insurance in College Station
- Seguro comercial de auto en español
College Station Commercial Auto FAQ
Do I need commercial auto for a vehicle I also drive personally?
If it is titled to the business, lettered with your business name, carries tools or product, or is driven by employees, yes. Personal auto policies exclude business use, and carriers apply that exclusion after the accident — which is the expensive way to find out. Many commercial policies can be written to cover personal use of the same vehicle.
I deliver food or packages in College Station. Am I covered?
Almost certainly not by a personal policy. Delivery and courier work is excluded on standard personal auto, and the coverage some platforms provide is narrower than most drivers assume — often only while actively on a delivery, with gaps between them. If delivery is a real part of your income, you need commercial or a specifically endorsed policy.
How fast can I get a certificate of insurance?
Usually same day. Property managers, apartment complexes and the university will not let a vendor on site without a COI, and those requests are always urgent. Call the office at 979-823-2626 and say it is for a job start.
What limits will an apartment complex or property manager require?
Most require $1,000,000 combined single limit, and many also want to be named as additional insured with a waiver of subrogation. Send us the contract's insurance page and we will match it exactly rather than guessing.
Do you cover employees driving their own cars for work?
That is hired and non-owned auto coverage. If a staff member causes an accident running a company errand in their own car, your business can be pulled into the claim even though you do not own the vehicle. It is inexpensive and a very common gap.
Can I put several vehicles on one policy?
Yes — pickups, vans, box trucks and trailers on a single schedule, with drivers listed and certificates issued as jobs require. It is usually cheaper and far easier to administer than separate policies.
Do you write new businesses with no history?
Yes. First-year businesses pay more because there is no loss history to rate against, but several of our carrier partners write new ventures with clean driver records.
What about a truck that pulls a trailer?
Trailers are scheduled separately and their coverage depends on what is pulling them and why. If you pull trailers you do not own, ask about non-owned trailer coverage.
GET FREE QUOTE
Fast response from our Bryan office. Hablamos Español.
Office Hours
🇲🇽 Hablamos Español
Our bilingual staff is ready to help Spanish-speaking clients in Bryan, College Station, and across the Brazos Valley.
Get a Free Commercial Auto Quote
Call Safenet Insurance Agency in Bryan, TX – Bilingual staff – Se Habla Español. Se Habla Español!