Commercial Auto Insurance in Wichita Falls, TX – Montoya Insurance Group, LLC
Why Commercial Auto Insurance Matters in Wichita Falls
From company cars to tow trucks and delivery vans, commercial vehicles are the backbone of many Wichita Falls businesses. But busy highways, unpredictable weather, and long hours on the road increase the risk of accidents. Without the right coverage, a single incident could bring operations to a halt.
At Montoya Insurance Group, LLC, we provide comprehensive commercial auto insurance — from single business vehicles to large fleets — so you can protect your employees, your assets, and your bottom line.
What Our Commercial Auto Insurance Covers
Our policies safeguard your vehicles and your business with:
- Bodily Injury Liability – Covers injuries caused by your driver in an accident.
- Property Damage Liability – Pays for damages to another person’s property.
- Collision Coverage – Repairs your vehicle after an accident.
- Comprehensive Coverage – Protection from theft, fire, vandalism, hail, or non-collision damage.
- Medical Payments Coverage – Helps with medical costs for drivers and passengers.
- Uninsured/Underinsured Motorist Coverage – Protection if the at-fault driver doesn’t have insurance.
Fleet, Truck & Business Vehicle Coverage
We can help Wichita Falls renters customize policies with:
We provide specialized protection for:
- Truck Insurance – From local deliveries to hauling goods across Texas, including hazardous material transport.
- Business Vehicles – Cars, vans, and trailers essential to your daily operations.
- Fleet Insurance – Tailored coverage for companies operating five or more vehicles.
Common Add-Ons & Options
We help Wichita Falls businesses strengthen coverage with:
- Roadside assistance and towing for work vehicles
- Rental reimbursement to keep your business moving
- Coverage for specialized equipment and tools stored in vehicles
- Combined property + auto policies at competitive rates
Who Needs Commercial Auto Insurance in Wichita Falls?
This coverage is essential for:
- Contractors & Builders – Protecting trucks, vans, and work trailers.
- Delivery & Transport Businesses – From food delivery to freight.
- Fleet Operators – Businesses running five or more commercial vehicles.
- Service Providers – Plumbers, electricians, and repair companies relying on business vehicles.
Local Risks to Consider
- Busy Roadways – I-44, Kell Blvd., and Sheppard Access Road see heavy traffic and accidents.
- Severe Weather – Hailstorms and tornadoes can cause costly damage.
- Employee Driving Risks – Multiple drivers increase liability exposure.
FAQs – Commercial Auto Insurance in Wichita Falls
Is commercial auto insurance required in Texas?
Yes. Vehicles primarily used for business must be covered under a commercial auto policy.
Does it cover employees using their personal vehicles for business?
Not by default. We offer hired & non-owned auto coverage for this situation.
Can I cover trucks and specialized transport?
Yes. We insure local and regional trucking operations, including hazardous materials transport.
What if my business has multiple vehicles?
We provide fleet insurance for businesses with five or more vehicles, tailored for cost savings.
Do you provide bilingual service?
Yes. Montoya Insurance Group, LLC serves Wichita Falls businesses in both English and Vietnamese.
Keep Your Business Moving with Confidence
Get the Right Commercial Auto Insurance in Wichita Falls, TX
At Montoya Insurance Group, LLC, we know your vehicles are more than transportation — they’re your business on wheels. Whether you run a single company car, a trucking operation, or a full fleet, we’ll help you find comprehensive coverage at competitive rates so you can focus on the road ahead.