Commercial Auto
Do I need commercial auto insurance?
How to tell whether your truck belongs on a personal or a commercial policy, and what happens to a claim when you guess wrong.
Commercial Auto
Hired and non owned auto coverage: why small businesses need it
One of the lowest cost items on a commercial policy, and the one that protects you when an employee drives a rented truck or their own car for work.
Commercial Auto
Commercial auto insurance for contractors in South Texas
Tools in the truck, employees behind the wheel, and the certificate of insurance every general contractor asks for before you get on the site.
Commercial Auto
Box truck insurance in Texas: what it costs and what you need
Weight classes, DOT requirements, cargo coverage, and why a truck that stays near McAllen is priced differently from one that runs to Dallas.
Commercial Auto
USDOT numbers, authority and insurance filings explained
When you need a DOT number in Texas, what the federal minimum limits are, and how the insurance filing reaches the government before you can haul.
Commercial Auto
What is an MCS-90 endorsement and does it protect me?
The MCS-90 guarantees payment to the public, not coverage for you. What it does, what it does not, and why the difference can cost you.
Commercial Auto
Motor truck cargo insurance for produce haulers
Reefer breakdown, rejected loads, and the exclusions that decide whether a spoiled trailer of produce gets paid.
Commercial Auto
What drives the cost of commercial auto insurance?
Radius, drivers, truck class, cargo and loss history, and which of them you can actually change this year.
Commercial Auto
Adding drivers to a commercial auto policy
Why the driver list decides your premium, and sometimes whether you can get a policy at all, and how to run a hiring process underwriters respect.
Commercial Auto
Radius of operation and why it changes your premium
Local, intermediate and long haul rating, what happens when you take one load out of state, and how to keep the classification honest.
Commercial Auto
Trailer interchange and non owned trailer coverage
Who pays when a trailer you do not own is damaged in your care, and the endorsement most carriers do not include unless you ask.
Commercial Auto
What insurance does a food truck need in Texas?
Auto liability, general liability, equipment coverage, and the certificates that events and commissary kitchens require before you set up.
Commercial Auto
Using your personal truck for work: when the claim gets denied
The exact facts that push a claim outside a personal auto policy, and how to fix it before it costs you a truck.
Commercial Auto
Certificates of insurance: what customers are really asking for
Additional insured, waiver of subrogation, and primary and noncontributory, translated into what each one costs you.
Commercial Auto
When does a fleet policy make sense?
Where the fleet threshold usually sits, how the pricing changes, and the safety practices that lower a multi truck premium.
Commercial Auto
Deductibles, downtime and getting a truck back on the road
Rental reimbursement, loss of use, and the coverages that decide how long a damaged truck stops your income.
Commercial Auto
Insurance checklist for a new trucking business in South Texas
What to buy, in what order, and what it takes to get from a truck purchase to a legal first load.
Commercial auto quote. Eight quick questions, then a licensed agent in McAllen calls you with the number.
What do you drive for work?
Pick the closest one. Your agent will sort out the details.
How many trucks?
Count every vehicle the business uses, including one you own personally.
What is the work?
Welder, landscaper, produce hauling, deliveries. A few words is enough.
Does a customer or general contractor need a certificate from you?
Many contracts ask for a one million dollar limit. If you have the requirement in writing, keep it handy for the call.
Do you have a USDOT number?
Needed for crossing state lines in a truck over 10,000 pounds. Not sure is a fine answer.
Who are we quoting?
So your agent knows who they are calling.
Where should we call you?
One call with your quote. No robocalls, no list selling.
Want a copy by email?
Optional. It means you have the numbers in writing after the call.
By pressing “Get my quote” you agree a licensed McAllen Insurance Group agent may contact you by phone, text or email at the details you provide, including by automated dialing. Consent is not required to buy. This is a request for a quote, not an application, and not an offer of coverage.
Getting your request to an agent
We have your request
An agent will call you with the quote. Have your registration and any contract requirements nearby. If you would rather not wait, call us now.
Call (956) 687 3334Monday to Friday, 9 AM to 6 PM. Se habla español.