Contractor vehicles

Commercial Auto Insurance for Texas Contractors

Texas contractor commercial auto insurance path for work trucks, vans, trailers, employees, tools, job-site proof, hired/non-owned auto, and certificate requests.

Best next step

Contractors should review commercial auto when trucks, vans, trailers, employees, tools, or job-site travel are part of the business. Personal auto may not fit business use, client proof, or certificate requirements.

Contractor uses trucks, vans, pickups, or trailers for work
Employees drive for jobs or material runs
Client, GC, or landlord asked for auto proof
Tools, equipment, or trailers travel between job sites

What to send first

Vehicle year, make, model, VIN, value, and garaging ZIP
Driver names, license status, and driving history
How each vehicle is used for work
Trailer, tools, equipment, or material-hauling details
Certificate holder, job start date, and required wording

Avoid delays

!Assuming personal auto covers business use
!Leaving out employee drivers
!Forgetting trailers, tools, or equipment
!Buying GL but missing auto proof
!Waiting until the GC asks for certificate wording

Need help now?

Start with a short request.

Send the basics online or call Argo. An agent can ask for any additional details after you start.

Do Texas contractors need commercial auto insurance?

Often yes when vehicles are used for business errands, tools, materials, job-site travel, employee driving, client proof, or contract requirements. The right path depends on how the vehicle is used.

What is hired and non-owned auto for contractors?

Hired and non-owned auto can help address certain business auto exposure from rented, borrowed, or employee-owned vehicles used for business, subject to policy terms. Send the contract wording so Argo can review fit.

Can Argo add commercial auto proof to a contractor COI?

If coverage is active and the policy supports the requested wording, Argo can help route auto proof, certificate holder details, and additional insured requests where allowed.