Get the small business commercial auto insurance Houston, TX you need from Texas Insurance Agency today. If you use a vehicle as part of your everyday work, you’ll want some type of business auto insurance to cover you in case of accidents. Texas Insurance Agency knows the ins and outs of business insurance, and we can find the best small business commercial auto insurance for you. Get in touch with us to get your free quote now.

Getting Small Business Commercial Auto Insurance Houston, TX

The right small business commercial auto insurance can ensure your vehicles are protected.

Small businesses can get commercial auto insurance to protect the cars they own and use for work. This could include cars, trucks, or vans that are used for business, like to carry packages or move people or things.

Most of the time, this kind of insurance includes both liability and damage to property. When a business is at fault in an accident, liability coverage pays for the harm and loss that happen. If the business car is damaged in an accident, stolen, or vandalized, the physical damage coverage will pay to fix it or get a new one.

How much coverage a business needs depends on things like the type of vehicle, how it is used, and the state where it is based. To make sure they have enough coverage, business owners should talk to an insurance agent about their unique needs. Texas Insurance Agency can help you do that.

People who have personal car insurance may cover some business vehicles in some situations. However, these policies usually have smaller limits, and they might not cover certain types of claims or accidents that happen while the car is being used for business. In order to fully protect their assets, businesses need to have commercial car insurance.

Why Should You Get Small Business Commercial Auto Insurance?

Getting small business commercial auto insurance is important because it can help you protect your business. If there is an accident and your company is found responsible, the damages and hospital bills could be very expensive, and it could put your company out of business. Most business car insurance policies cover these kinds of costs by including liability coverage.

Not having business auto insurance could also get you in trouble with the law. In most states, companies that use commercial vehicles need to have a certain amount of commercial auto insurance. Although Texas law doesn’t require many types of business insurance, auto liability is one of them. You can check with the right authorities to see what the minimum amount for your business is.

Last but not least, it makes you look more professional. Customers and clients will see that you are a real business that takes its duties seriously if you have commercial car insurance. They will trust your business more, and it can also protect them in case something goes wrong.

You’ll need Small Business Commercial Auto Insurance Houston, TX even if you only use one or two vehicles.

Who Needs Business Auto Insurance?

Any business that uses cars to run its processes needs to have small business commercial auto insurance. This includes the following, but not only them:

• Delivery services, including florists, pizza delivery, messengers, etc.
• Transportation services like taxis, shuttles, limos, etc.
• Construction and contracting companies that transport tools or equipment.
• Any company that makes its workers drive a company car.
• Firms that give workers company cars as a perk.

If your workers use their own cars for work, you may still need hired and non-owned auto insurance because their own policy might not cover accidents that happen on the job. Because of this, it’s important to pick a policy that meets the wants of your business. You can discuss the ins and outs of small business commercial auto insurance to ensure it’s the right choice for your business and workers.

Auto Insurance v. Trucking Insurance v. Inland Marine Insurance

Commercial Auto Insurance, Trucking Insurance, and Inland Marine Insurance all cover different parts of moving goods for business.

Commercial auto insurance only covers cars that a company owns, leases, or rents and is mostly used for business-related transportation. It covers responsibility for injuries to people and damage to property, and it might also cover collision and comprehensive damage to the car. It’s mostly for companies that use cars, vans, or small trucks.

Trucking insurance is like commercial car insurance, but it’s only for big trucks that are used for business. Liability for injuries and damage to property is usually covered, as well as damage to the truck from accidents, fires, theft, and other risks. Specialty trucking insurance may also cover the goods being carried.

Inland marine insurance is not about water, even though the name says so. It’s meant to protect goods, materials, and tools while they’re being moved by land (like by truck or train) or while they’re being stored temporarily by someone else. It only covers the things being moved, not the vehicle itself. It’s important because it fills in the gaps between your business insurance and the coverage of your shipping company.

Each one is good at something different, and your business may need one or all three based on its needs. Talking to an insurance agent about your needs is the best way to figure out which coverage is best for your business. The team at Texas Insurance Agency can help you determine which is best for your business.

You might need small business commercial auto insurance. We can help you figure out if you do.

Let’s Get Rolling

Texas Insurance Agency has everything you need to protect your business before any of your vehicles hit the road. Whether you use a van to transport goods or a truck to transport your equipment, commercial auto insurance may be right for you. Call our office to hear more about other types of insurance you need.

Our Houston office is always happy to answer any of your questions. You can learn more about small business commercial auto insurance.

Houston, Texas Fun Facts:

• Houston has over 10,000 food options.
• Westheimer alone has over 3,500 restaurants, cafes, bakeries, etc.
• The city has the largest number of food trucks in the country.