Commercial Auto Insurance · Houston, TX
Ver en españolCommercial Auto Insurance for Your Work Truck, Van, or Business Vehicle
If you use a vehicle for work, a personal policy may not cover you. We'll get your business vehicles protected, in English or Spanish.
- 30+ carriers compared
- Same-day certificates
- Se habla español
- Walk-ins welcome
Many Houston business owners drive their pickup or van to job sites, haul tools and materials, or pull a trailer, all on a personal auto policy. If something happens while you're working, the insurance company can deny the claim because the vehicle was being used for business.
Commercial auto insurance is built for vehicles that work. Reyna's Insurance Services compares 30+ carriers to find coverage that fits your vehicles and your budget, and our bilingual agents explain every line of your policy.
What commercial auto can cover
Liability
Injuries and property damage you cause to others while driving for your business.
Collision & comprehensive
Repairs or replacement for your vehicle after an accident, theft, hail, or flood.
Hired & non-owned auto
Coverage when you or your employees use rented or personal vehicles for business errands.
Uninsured motorist
Protection when the other driver has no insurance or not enough.
Trailers & equipment
Coverage options for trailers and tools or equipment you carry.
Certificates of insurance
Same-day COIs showing your auto coverage when a contract or client requires it.
Vehicles we insure
- Work pickups
- Cargo & service vans
- Contractor trucks with trailers
- Landscaping trucks
- Delivery vehicles
- Food trucks
- Company cars
- Small fleets
Why Houston businesses choose Reyna's
Independent agency
We're not tied to one insurer. We compare 30+ carriers for you.
Bilingual agents
Every agent speaks English and Spanish, so nothing gets lost.
Same-day COIs
Our clients get certificates of insurance fast, so jobs don't wait.
Experience you can trust
Family-owned for 15+ years, with 50+ years of combined agent experience.
Frequently asked questions
Do I need commercial auto if I only use my truck for work sometimes?+
Often, yes. If you drive to job sites, carry tools or materials, pull a work trailer, or have your business name on the vehicle, a personal policy may not cover a claim during work. We'll look at how you use the vehicle and tell you what makes sense.
Is commercial auto more expensive than personal auto?+
It can be, but not always by as much as people expect, and it actually covers the way you use the vehicle. Price depends on the vehicle, how it's used, who drives it, and driving records. We compare multiple carriers to find you the best option.
Can my employees drive the vehicle?+
Yes. Commercial auto policies can list your drivers, and hired & non-owned coverage can protect you when employees use their own cars for business.
Can I insure the truck under my business name?+
Yes. Commercial auto policies can be written in your business name (LLC or DBA), which many clients and contracts prefer.
Get your free quote
Tell us about your business and a bilingual agent will contact you, usually the same business day.