Moon Insurance Managers, Inc. · TDI license #5595
Commercial Auto Insurance in Houston, TX
If the vehicle works — deliveries, tools in the back, a crew riding to the site, a driver on the payroll — it needs a policy built for work. A personal auto policy quietly walks away from exactly those uses, and a claim is the worst possible moment to learn that.
What Texas asks of a business vehicle
- Bodily injury, per person
- $30,000
- Bodily injury, per accident
- $60,000
- Property damage
- $25,000
- Intrastate, over 26,000 lbs
- $500,000 combined single limit
- Interstate
- Federal minimums, by commodity
- 41years in Houston
- 20+markets compared
- Same dayDPS filing
- #5595TDI license
Three questions
Does your vehicle need a commercial policy?
- Who owns it? Title
- A vehicle titled to the business belongs on a commercial policy. That one is not a judgment call.
- Who drives it? Drivers
- Employees driving — your vehicle or their own — is business exposure a personal policy is not priced for and generally will not answer for.
- What does it do? Use
- Paid delivery, hauling tools and equipment, carrying clients, running between jobsites. If the vehicle is working, the policy has to know that.
Do not take our word for where a personal policy stops — the Texas Department of Insurance publishes the list. Most personal policies do not cover accidents while driving for a ride-hailing service or delivering food or other items for a fee, accidents in a company car you use regularly, or driving for business. That is the state’s own consumer guide describing the limits of the product.
One sentence for the gig economy, from the same source: driving for a fee is excluded by personal policies. If that is you, call before you drive, because the fix has to be arranged rather than assumed.
Source: TDI — automobile insurance guide (cb020). Verified .
The line runs both ways
When a personal policy is the right home
We will say it in this direction too. Your own car, your commute, the occasional stop at a supply house or a client’s office — that is personal auto, and pushing it onto commercial paper would cost you money for nothing.
That desk is here as well: auto insurance. If you are not sure which side of the line a vehicle sits on, that is the phone call — a two-minute question with a real answer.
The coverages
What a commercial auto policy carries
- Liability The statutory floor, and above it
- Texas requires at least 30/60/25 — $30,000 per injured person, $60,000 per accident, $25,000 property damage — for business vehicles as for any other. The honest caveat: contracts, lenders and common sense usually want considerably more than the floor.
- Physical damage Collision and comprehensive
- Cover for the work vehicles themselves. The van is a tool — insure it like one, because a week without it costs more than the deductible.
- The people coverages Medical payments, PIP, UM/UIM
- Medical payments or personal injury protection, and uninsured or underinsured motorist cover, in their commercial forms. One conversation each, and worth having them rather than defaulting.
- Hired and non-owned auto The one small businesses miss
- When an employee runs a business errand in their own car, their personal policy leads and the business still has exposure of its own. If anybody ever drives for the business in a car you do not own, ask us about this by name.
Have these ready
What a quote needs
Four things, and most owners already have them in a drawer:
- The vehicles — year, make, model, VIN, and what each one is used for. A van that carries tools and a van that makes paid deliveries rate differently.
- The drivers — everyone who gets behind the wheel. License details are collected at the quoting stage rather than through this website. Records with tickets or an accident are ordinary; tell us up front and we go to the markets that price them fairly rather than the ones that will not.
- The radius — local, regional or long-haul. This is the single biggest lever on a commercial auto rate.
- What the business does, and what the vehicles carry while it does it.
If a contract or a lender has set required limits, bring that page too. It usually settles the coverage conversation before it starts.
Where our lane ends
Trucks that cross the filing line
For-hire trucking is its own regime and we will be straight about where our lane is. Intrastate motor carriers file state minimums — for general freight over 26,000 lbs GVWR, for example, a $500,000 combined single limit — and interstate carriers fall under federal minimums that vary by what is being hauled.
Two things sit just outside this policy and each has its own page. What the truck is carrying is motor truck cargo insurance. If you keep customers’ vehicles in your care — a dealership, a repair shop — that is garage insurance. Tell us what the operation actually does and we will work out which submission it needs.
Tell us the operation and we will confirm your class and your filing with the quote. If a dedicated compliance shop is what you actually need, we will say that too.
Source: TxDMV — compliant operations as a Texas intrastate motor carrier. Verified .
No obligation
Put the working vehicles on the right paper
Tell us what the vehicles do, who drives them, and what the contracts demand. We will quote the fleet — and tell you honestly if any of it belongs back on a personal policy.
Monday to Thursday, 9:00 to 5:00; Friday, 9:00 to 4:00. 360 FM 1959, Houston, TX 77034. Policies written statewide — you do not have to be local.
Commercial vehicle questions we get every week
Do I need a commercial policy for my work truck?
If it is titled to the business, driven by employees, or used for the work itself — hauling tools, deliveries, jobsite runs — then yes. The personal-policy exclusions are the reason, and they are TDI’s list rather than ours.
My employee drives their own car for the business. Am I covered?
Their personal policy leads, and the business needs hired and non-owned auto coverage for its own exposure. It is inexpensive relative to what it answers for, and it is the coverage small businesses most often discover they never bought. Ask for it by name.
What are the minimum limits for business vehicles in Texas?
The same statutory floor as any vehicle: 30/60/25. Contracts and lenders usually require more, and the floor is rarely the right answer for a business with anything to lose.
Is my personal policy enough for occasional deliveries?
No. TDI’s own guide lists delivering for a fee among the things personal policies do not cover. Occasional does not fix an exclusion; the right policy does.
Can you cover a small fleet?
Yes — one van up to a working fleet, with the schedule, the drivers and the coverages managed as the business changes. ID cards and certificates come from the same desk.
Related
- Auto insurance Your own car, your commute — the other side of the line
- Contractors general liability The liability half, for trades with trucks
- All business insurance Every commercial line we write
- Auto ID card request Proof for the glovebox, from the same desk
- Our Houston office FM 1959, on the southeast side