Commercial Auto Insurance Dallas, TX

Insurance to Keep Your Business Moving Forward

Your vehicles are essential to your daily operations - delivering products, transporting equipment, or getting your team where they need to be. At the Thumann Agency, we offer commercial auto insurance in Dallas, TX that protects your business on the road, with coverage tailored to your needs, goals, and budget. Since 1998, we've been protecting businesses across Texas - so you can keep moving forward with confidence.

Why Choose Us

Choosing the right insurance agency can make a significant difference in protecting your vehicles, drivers, and business operations. Here's why the Thumann Agency stands out:​

• More Options We shop with 80+ top-rated carriers - like Travelers, Chubb, The Hartford & more.
• Same-Day Coverage We move fast so you can stay focused on the road.
• Trusted Risk Advisors We guide you toward the right coverage - without the confusion.
• Local Roots We know the routes, risks, and regulations that matter.
• Comprehensive Vehicle Coverage From one truck to a fleet, we’ve got you covered.

​Experience the difference of working with an agency that puts your business in the driver’s seat.

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Who Needs Commercial Auto Insurance in Dallas, TX?

If your business uses vehicles, commercial auto insurance is crucial. Some examples include:

• General contractors traveling between job sites

• Real estate agents visiting multiple properties

• Delivery services transporting products across Dallas and beyond

Dallas hosts over 62,000 small businesses, many depending on vehicles for deliveries, client meetings, or service calls. A key fact many owners overlook: personal auto insurance typically doesn’t cover accidents during business use.

Commercial auto insurance fills this gap, safeguarding business-owned vehicles with coverage for liability, physical damage, medical expenses, and more. Whether you run a single van or a full fleet, this protection keeps your business on track.

Your business is unique. Let us craft a policy that fits perfectly, so you can drive confidently.

What Does Commercial Auto Insurance Cover?

Commercial auto insurance can include several types of coverage:

• Liability Insurance: Covers bodily injury and property damage caused by your vehicle.

• Collision Coverage: Covers damage to your vehicle resulting from a collision.

• Comprehensive Coverage: Covers non-collision-related damage (e.g., theft, vandalism, or weather-related damage).

• Medical Payments: Helps cover medical bills for you or your passengers in case of an accident.

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Other Essential Insurance Policies for Texas Businesses

At the Thumann Agency, we offer more than just commercial auto insurance. Here are other policies every Texas business should consider:

• General Liability Insurance: Protects against claims of bodily injury, property damage, and advertising injuries.

• Workers' Compensation Insurance: Required in Texas for most businesses with employees, this policy covers medical bills and lost wages for workers injured on the job.

• Commercial Property Insurance: Provides coverage for physical assets like buildings, equipment, and inventory.

• Professional Liability Insurance: Also known as Errors & Omissions (E&O), this coverage protects against claims of negligence or mistakes made in the course of business.

• Texas Commercial Truck Insurance: Offers protection for businesses that operate large commercial trucks.

Bundling these policies can provide a comprehensive risk management plan for your business, with added savings on premiums.

Protect Your Business with the Thumann Agency

Whether you're a contractor, delivery service, or a small business using company vehicles, having the right insurance coverage is essential. With our tailored solutions and expert advice, the Thumann Agency is here to protect your business every mile of the way. Get a commercial auto quote today and let us help you compare rates from the top insurers in Dallas, Texas.

Client Testimonials For Our Insurance Services

What People Say About the Thuman Agency 

⭐⭐⭐⭐⭐  4.9 out of 5

At Thumann Insurance Agency, our clients value our fast response times, cost-saving solutions, and outstanding service. Many have shared how they received quick, competitive quotes—often within hours—when other agencies fell short. Customers appreciate our clear explanations of coverage, transparent pricing, and honest guidance on selecting the right policy. Whether for personal or business insurance, our knowledgeable team is committed to making the process simple, stress-free, and tailored t each client’s needs.

Frequently Asked Questions about Commercial Auto Insurance

• What is commercial auto insurance?

Commercial auto insurance is a specialized policy for vehicles used in business activities like transporting goods, visiting clients, or making deliveries. It covers liability, property damage, medical expenses, comprehensive and collision damage, and uninsured/underinsured motorists, protecting your business from accidents and legal claims. Unlike personal auto insurance, it’s tailored for business-specific risks, whether you operate one truck or a fleet of vans.

• Is commercial auto insurance legally required in Dallas, Texas?

In Texas, businesses that operate vehicles must carry commercial auto insurance that meets the state’s minimum liability standards, 30/60/25. This means:

• $30,000 for bodily injury per person

• $60,000 for bodily injury per accident

• $25,000 for property damage per accident

Depending on your business type, you may also need additional coverage to comply with federal or industry-specific regulations.

• What is the difference between commercial auto insurance and personal auto insurance?

The key difference is how the vehicle is used. Personal auto insurance covers private, non-business use. Commercial auto insurance is built for business activities like transporting goods, visiting clients, or operating service vehicles. It offers higher liability limits, broader coverage, and protects your business from financial loss if an accident occurs while working.

• How much does commercial auto insurance cost on average?

Commercial auto insurance rates in Dallas, TX typically start around $145 per month, with Texas businesses paying $750–$1,200 annually per vehicle for standard coverage. Costs vary based on factors like;​

• Business Type: Impacts risk and coverage needs.

• Vehicle Make and Model: Heavy trucks cost more to insure than sedans.

• Driver History/Driving Record: Clean records lower premiums.

• Usage: Higher annual miles increase costs.

• Location and Travel Radius: Affects risk exposure.

• Coverage Limits: Higher limits raise premiums.

Our team at Thumann Agency helps you find the best rates from 80+ top carriers, tailored to your unique risk profile.

• What information do I need for a commercial auto insurance quote?

To get an accurate commercial auto insurance quote, be ready to provide:

• Business name and type

• Vehicle details (year, make, model, VIN)

• How each vehicle is used

• Driver info (license numbers, driving history)

• Desired coverage limits and deductibles

• Where vehicles are garaged/operated

We make the quoting process fast and easy online, by phone, or in person.

• Can I Combine Commercial Auto Insurance with Other Business Policies?

Absolutely! Many Texas business owners choose to combine their commercial auto insurance with other policies like general liability insurance or a business owner's policy (BOP) for comprehensive coverage. Bundling policies can often lead to discounts and better protection.

Protect Your Business on the Road

At The Thumann Agency, we’re committed to helping Texas businesses protect their vehicles, drivers, and operations with tailored commercial auto insurance solutions. Don’t wait until an accident happens - take proactive steps today to keep your business moving safely and confidently.

Request a Quote | Call 972.991.9100