Commercial Auto Insurance in Temple, Texas

What Is Commercial Auto Insurance?

Commercial auto insurance covers vehicles owned and used by your business—cars, trucks, vans, and fleets. Personal auto policies exclude business use, leaving you unprotected if an accident occurs during work activities. For Temple businesses that rely on vehicles for deliveries, service calls, or transportation, commercial auto insurance provides essential protection for your drivers, vehicles, and liability exposure.

Winkler Insurance helps Central Texas businesses find commercial auto coverage from carriers experienced with business vehicles and fleets.

Why Temple Businesses Need Commercial Auto Insurance

If your business uses vehicles, commercial auto coverage is essential. Here's why:

• Personal auto policies exclude business use. Claims can be denied if an accident happens during work activities.


• Commercial vehicles need higher limits. Business vehicles often carry equipment, inventory, or passengers requiring more coverage.


• Multiple drivers need coverage. Commercial policies cover any authorized employee who drives your vehicles.


• Fleet management is easier. One policy covers all your business vehicles with consistent terms.


• Liability exposure is significant. A serious accident involving a business vehicle can result in substantial claims.

What Does Commercial Auto Insurance Cover?

A commercial auto policy includes several coverage types:

Liability Coverage
Pays for injuries and property damage you cause to others in an accident. Texas requires minimum liability limits, but most Temple businesses carry higher limits.

Collision Coverage
Pays to repair your business vehicle after an accident, regardless of fault.

Comprehensive Coverage
Covers theft, vandalism, fire, hail, and animal strikes. Important for Temple businesses given Texas weather.

Uninsured/Underinsured Motorist
Protects your business when the at-fault driver has no insurance or insufficient coverage.

Medical Payments
Covers medical expenses for the driver and passengers in your vehicle.

Hired Auto Coverage
Covers vehicles your business rents or borrows for business purposes.

Non-Owned Auto Coverage
Covers liability when employees use personal vehicles for business errands.

What Vehicles Need Commercial Auto Insurance?

Commercial auto coverage is needed for:

• Company-owned cars, trucks, and vans


• Delivery vehicles


• Service and repair trucks


• Vehicles with commercial plates


• Vehicles used primarily for business purposes


• Fleets of any size

How Much Does Commercial Auto Insurance Cost in Texas?

Commercial auto premiums depend on your vehicles, drivers, coverage limits, and driving records. Most Temple businesses pay $1,200 to $3,000 per vehicle annually for full coverage. Fleets may qualify for volume discounts. Businesses with clean driving records and experienced drivers typically see lower rates.

Why Work with Winkler Insurance?

Since 2006, Winkler Insurance has helped Central Texas businesses protect their vehicles with commercial auto coverage. As an independent agency, we compare quotes from multiple carriers to find the best rates for your fleet. Our Temple agents understand commercial auto needs and help you build the right coverage for your operations.

Get a Commercial Auto Insurance Quote in Temple, Texas

Our commercial auto insurance agents serve Temple, Texas and surrounding areas including Belton, Harker Heights, Killeen, Copperas Cove, Troy, Waco, Round Rock, and Cameron. Contact Winkler Insurance today for a free quote.