Commercial Auto Insurance In New Mexico For Company Vehicles

Who Needs Commercial Auto Insurance

Whether you run one service van in Hobbs or manage a small fleet across Lea County, commercial auto insurance in New Mexico keeps work rolling. Anchondo’s Insurance helps contractors, delivery services, oilfield crews, food trucks, and mobile retailers meet lender and client requirements. If a vehicle is titled to your business, carries tools every day, or employees drive it for errands, a commercial policy is the right fit. For Spanish-speaking owners, nuestro equipo explica coberturas en español para que todo quede claro.


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Coverage Features Built For Business Use

Commercial auto can include higher liability limits, collision and comprehensive for company vehicles, medical payments, and roadside help for long days between Hobbs, Jal, and Carlsbad. Add hired and non-owned auto when staff use personal cars for bank runs or deliveries. If you haul gear, ask about separate tools or inland marine coverage so equipment is not left out. We explain differences between personal and business auto so claims do not get denied for work use.

Tailored Policies For Local Industries

From plumber vans on North Dal Paso to hot-shot pickups headed for West Texas, we match coverage to your routes and contracts. Certificates and additional insured requests are handled quickly so jobs are not delayed. If your vehicles or drivers cross state lines, we set limits that satisfy shippers and landlords and keep proof of insurance ready when you need it. For heavier units or long-haul operations, learn when a policy shifts from standard business use to trucking insurance with cargo or filings.

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Commercial Auto Q & A

  • Do you need a commercial policy if employees run errands in their own cars

    yes, add hired and non-owned auto to protect the business. 

  • Can you put a work truck on personal auto

    not if it is primarily for business or titled to the company, claims can be denied.

  • What affects price

    vehicle size, radius, driver records, garaging, and telematics participation.

  • Does commercial auto cover tools

    the vehicle and liability are covered, tools usually need separate coverage.

  • Can policies cover trips into Texas

    yes, tell us your routes so limits and forms fit both states.