When your business runs on wheels, every mile counts — and so does every risk.
At Eastman Insurance Solutions (EIS Texas), we protect your vehicles, your drivers, and your business from the unexpected with custom-built Commercial Auto Insurance programs designed for Texas business owners who can’t afford downtime.
Whether you manage a fleet of delivery vans in Dallas, service trucks in Rockwall, or executive vehicles in Garland, we help you stay on the road with confidence — Beyond the Coverage™.
Why Texas Businesses Need Commercial Auto Insurance
A single accident can lead to costly repairs, medical claims, and lawsuits that threaten your company’s bottom line. That’s why Commercial Auto Insurance is essential for any business that owns, leases, or operates vehicles for work.
From contractors and couriers to healthcare providers and nonprofits, EIS Texas builds protection programs that go beyond the basics — combining liability, property, and driver safety coverage into one seamless policy.
What Does Commercial Auto Insurance Cover?
Commercial Auto Insurance is similar to personal car insurance — but specifically designed for business use. Typical coverage includes:
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Bodily Injury Liability – Covers injuries to others caused by you or your employees
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Property Damage Liability – Pays for damage to other vehicles or property
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Collision Coverage – Covers repairs to your own vehicles after an accident
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Comprehensive Coverage – Protects against theft, vandalism, or weather-related damage
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Uninsured / Underinsured Motorist – Protects you if the other driver lacks adequate insurance
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Medical Payments – Covers medical or funeral expenses for you, employees, or passengers
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Optional Add-ons – Rental reimbursement, towing, roadside assistance, or non-owned/hired auto coverage
Many businesses also add a Commercial Umbrella Policy to extend liability limits for full peace of mind.
Vehicles Covered Under Commercial Auto Insurance
Our commercial auto programs protect nearly every type of business vehicle, including:
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Company cars and SUVs
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Cargo vans and pickup trucks
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Limousines and taxis
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Buses and shuttles
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Delivery and service vehicles
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Non-owned and hired autos used for business purposes
If your business operates large trucks, dump trucks, or heavy equipment, our Commercial Truck Insurance program provides specialized protection for those assets.
Driver Distraction & Commercial Risk
According to the U.S. Department of Transportation, 71% of commercial vehicle crashes involve some form of distraction, and nearly half of near-crashes occur during non-driving activities.
That’s why EIS Texas integrates risk management into every commercial auto program — offering driver safety resources, telematics insights, and annual risk reviews to help reduce accidents and keep premiums low.
Personal vs. Business Use – Know the Difference
Many entrepreneurs assume their personal auto insurance covers business driving — but that’s rarely true.
If you or your employees use personal vehicles for business errands, client transport, or deliveries, your personal policy could deny a claim.
Our team can review your situation and structure non-owned and hired auto coverage to ensure every trip is covered, whether you own the vehicle or not.
The EIS Leadership Advantage
At Eastman Insurance Solutions, we don’t just issue policies — we lead through partnership.
Through our Beyond the Coverage™ model, you gain:
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Access to top-rated carriers like Travelers, Liberty Mutual, Nationwide, Progressive, and The Hartford
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Risk consultation tailored to your fleet size, routes, and operations
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Fast certificate issuance for contracts or vendor compliance
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Claims advocacy and ongoing policy reviews to keep costs optimized
We’re not here to sell coverage. We’re here to protect your drivers, your mission, and your reputation.
Get Started – Schedule a Risk Consultation
Whether you operate two service vans or fifty fleet vehicles, we’ll make sure your coverage keeps up with your growth.
Let’s review your current policies and identify opportunities for savings and protection.
Or call our Rockwall office today — we’ll handle the details so you can focus on driving your business forward.
FAQ – Commercial Auto Insurance in Texas
Do I need commercial auto insurance if my employees use their personal cars for work?
Yes. Personal auto policies typically exclude business use. Adding non-owned and hired auto coverage protects your business if employees drive their own vehicles for work-related tasks.
How are premiums determined?
Carriers evaluate vehicle type, annual mileage, driver records, claims history, and safety measures. Implementing driver training or telematics can often lower costs.
Can I bundle commercial auto with other business coverages?
Absolutely. Many clients combine commercial auto with general liability, property, and umbrella policies for complete protection under one program.