In Texas, businesses with vehicles used for commercial purposes must comply with specific insurance requirements. Here's a breakdown:

Minimum Coverage:

• Bodily Injury Liability Coverage: $30,000 per person/$60,000 per accident
• Property Damage Liability Coverage: $25,000 per accident
• Personal Injury Protection (PIP): While technically required, you can opt-out by signing a waiver.

Additional Considerations:

• Higher Limits: Depending on your industry, vehicle types, or specific regulations, you may be required to carry higher liability limits.
• Collision and Comprehensive Coverage: While not mandated, these coverages are often recommended to protect your business vehicles from damage beyond liability situations.
• Endorsements and Riders: Consider specific add-ons like hired auto coverage, cargo insurance, or pollution liability based on your business needs.
• Employee Use of Personal Vehicles: If employees use their personal vehicles for work, you need commercial auto insurance to cover them while conducting business.

Resources for Further Information:

• Texas Department of Insurance: https://www.tdi.texas.gov/
• Texas Commercial Auto Insurance Requirements: https://www.thehartford.com/small-business-insurance/small-business-insurance-requirements
• Commercial Auto Insurance in Texas: https://www.insureon.com/

Remember: This is a general overview. It's crucial to consult with a licensed insurance professional to discuss your specific business needs and ensure you have adequate coverage.