Commercial Auto Insurance That Keeps Your Business Moving

From one vehicle to an entire fleet, we help you stay protected on the road with policies that work for how you operate.
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Protecting Your Business Behind the Wheel

If your company owns, operates, or depends on vehicles to get the job done, commercial auto insurance isn’t optional — it’s essential.



At Arnett Insurance, we help you find business auto coverage that protects your drivers, your vehicles, and your bottom line, whether you’re delivering goods, transporting equipment, or making house calls.

Who Needs Commercial Auto Insurance?

  • Contractors and trades
  • Landscapers and service professionals
  • Real estate and property managers
  • Food trucks and mobile services
  • Delivery and courier drivers
  • Trucking and logistics companies

Even if your team uses personal vehicles for business purposes, you may need non-owned auto coverage to stay protected.

What’s Covered by Business Auto Insurance?

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Liability 

Covers injury or damage to others if you’re at fault in an accident

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Collision

Pays for damage to your commercial vehicle after a crash

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Comprehensive

Covers theft, vandalism, and weather-related damage

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Uninsured/ Underinsured Motorist

Protects you from drivers with no (or not enough) coverage

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Medical Payments

Covers medical expenses for your drivers and passengers

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Hired/Non-Owned Auto

Covers vehicles used for business that you don’t own (like rentals or employee-owned cars)

Flexible Policies for Fleets of All Sizes

We work with top national carriers to offer flexible policies and affordable commercial auto insurance options tailored to your business needs.

Ask us about:

  • Fleet discounts
  • Towing & roadside coverage
  • Rental reimbursement
  • Trailer & equipment transport options
  • Add-ons for tools, signage, or upfits

Why Arnett Insurance?

  • Trusted since 1964
  • Local agents who understand regional business needs
  • Quick claims response and proactive policy reviews
  • Coverage for small businesses and large operations alike

Whether you’re insuring a single delivery van or a fleet of heavy-duty trucks, we help you make the smart, legal, and financially sound choice.

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Serving Oklahoma and Texas Businesses

From Durant to Dallas and everywhere in between, we’re here for the businesses that keep Texoma running.



Looking for truckers insurance, coverage for your commercial delivery team, or fleet protection that scales as you grow? Start here.

Commercial Auto Insurance FAQs

  • Do I need business auto insurance if I drive my personal car for work?

    Yes — most personal policies exclude business use. We’ll help you cover the gap with non-owned or hired auto policies.

  • What types of vehicles are eligible for commercial auto coverage?

    Most work vehicles — including trucks, vans, cars, trailers, and specialty rigs — can be covered. We’ll match your vehicle to the right policy.

  • Is commercial auto insurance tax-deductible?

    In many cases, yes. We recommend confirming details with your tax advisor.

  • What if my vehicles are used seasonally or part-time?

    We can design policies that reflect how and when your vehicles are used, so you’re covered without overpaying.