Commercial Auto
Commercial auto policies and Personal auto polices are very similar. In the state of Texas, it is mandatory to have liability coverage at limits of 30/60/25. $30,000 bodily injury per person, $60,000 bodily injury per accident, and $25,000 property damage per accident. These limits are the same whether its personal or commercial auto policy.
If you own vehicles that are for business use only, it's wise to get a commercial auto policy. If you use your own car for both business and personal activities, or if you have employees who also use their cars for business and personal activities, that's where the line becomes a little blurry.Here are some cases that might require commercial insurance:
Your business is primarily transporting products or people.
Your business employs multiple people who drive your business's multiple vehicles.
Your cars or trucks have equipment for business use only that can't be removed from the vehicle.
You wish to insure the workers that either use your business vehicles or drive their own cars for business purposes.
You want liability coverage at a higher amount than a personal policy offers.