Commercial Insurance
Business coverage for Houston contractors, shops and fleets
General liability, commercial auto, property and workers' compensation — packaged so your certificates are ready when a client or a job site asks for them.
What it covers
Inside a commercial policy
Every policy is built from parts. These are the ones we will walk through with you before anything is signed.
General liability
Third-party bodily injury and property damage claims arising from your operations.
Commercial auto
Trucks, vans and fleets, including hired and non-owned vehicle coverage.
Business owners policy
Bundles property and liability for shops, offices and restaurants at a lower combined cost.
Workers' compensation
Medical bills and lost wages for employees injured on the job.
Tools & equipment
Inland marine coverage for the equipment that travels between job sites.
Garage & dealer
Specialty programs for repair shops, detailers and used car dealers.
Why work with us
What you get with Elite Auto Insurance
- Certificates of insurance issued quickly for new contracts
- Additional insured endorsements handled for you
- Coverage for 1099 subcontractors and seasonal crews
- Annual reviews as your payroll and fleet change
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Common questions
Commercial insurance FAQ
- How fast can I get a certificate of insurance?
- Once the policy is bound, certificates usually go out the same business day. Send us the exact wording your client requires and we will match it.
- Do I need commercial auto if I use my personal truck for work?
- Usually yes. Personal auto policies exclude business use, so a claim while you are working can be denied. We can quote a commercial policy or add the right endorsement.
- Is workers' compensation required in Texas?
- Texas does not require most private employers to carry it, but many contracts and general contractors do. We can quote it either way.
Free quote
Request commercial coverage
A licensed agent will compare carriers and follow up. No obligation.