When it comes to finding commercial insurance for cars Houston, TX, Texas Insurance Agency is the perfect insurance broker for the job. Our team works hard to make sure our clients have insurance that benefits them. We find both commercial and personal insurance. Some examples include workers’ compensation insurance, commercial auto insurance, motorcycle insurance, trucking insurance, general liability insurance, and more.
We’ll Help You Find Superior Coverage in Commercial Insurance for Cars Houston, TX
Texas Insurance Agency is here to help you find commercial insurance for cars. Insurance policies that cover cars used for work are called commercial car insurance. Depending on the specifics of the insurance, the amount of coverage and the premiums will be very different. As an insurance broker, it’s very important that we tell clients everything they need to know about the different parts of the policy they are looking at.
Liability coverage is the first part of business car insurance. If you or an employee causes an accident while using a work car, this policy will protect you. It pays for the damage to property and hospital bills for anyone hurt in the accident. It’s important to remember that the liability limit you pick will have a direct effect on your rate. The price goes up with the limit and down with the limit.
Collision coverage is another crucial part of your policy. This covers damage to your business vehicles caused by being hit by another vehicle or something else. However, collision insurance has a deductible that can change the cost of the policy overall. This is the amount of money you or your business will need to pay before the insurance kicks in. When we choose your policy, we work hard to get you the best deal.
Another part of insurance that pays for damage not caused by a collision is comprehensive coverage. This could include damage from a fire, theft, vandalism, damage from a natural event, or animal-caused damage. When you buy comprehensive coverage, you also have to pay a deductible. It is our job to get you the most coverage possible at the best cost. We can help you evaluate the coverage you need and are most likely to use.
Also, business car insurance covers drivers who don’t have insurance or don’t have enough insurance. When a car is in an accident with another driver who doesn’t have insurance or doesn’t have enough insurance to cover the losses, this policy kicks in. The insurance will pay to fix the insured car or cover any medical bills that come up because of the crash.
Person injury protection (PIP), which is also called no-fault insurance, pays for medical costs and lost wages right away, no matter who was at fault. This is especially important for companies that have vehicles that more than one person may drive or ride in. Coverage like this is made with the goal of keeping your business running in mind. Give us a call if you are interested to find out what coverage will work best for you.
Trust Our Expertise When it Comes to Insurance Coverage for Cars
Hired and non-owned auto insurance (HNOA) protects you and your drivers if someone gets hurt in a car that you or they don’t own. As a result, this is useful for situations where workers may use their own cars for work or rented cars. Many harmful situations can damage a car, and that can be especially devastating if you don’t own that car. With the right coverage, you won’t have anything to fear.
You may also be able to get specialty car insurance, depending on the types of vehicles your business uses. These are aimed at specific cars, like trailers, semi-trucks, and other specialized equipment. This is something that you might want to add to your regular business car insurance. Your business is unique, so you deserve unique coverage to help keep your business afloat.
Named perils and all-risk policies are two other ways that insurance policies can be tailored to you and your business. For named perils, the cause of the loss has to be mentioned in the policy. For all risk policies, on the other hand, all causes of loss are covered unless they are specifically left out. Before you buy insurance, you should make sure you know what you’re getting into. We can help explain anything you need to know.
Commercial car insurance policies also let you add extra coverages if you need them for specific reasons. In this case, loading and unloading coverage will protect your goods from damage while they are being put in and taken out of your business vehicles. Another example is your breakdown costs being covered if your car breaks down on the road. Our brokers can point you in the right direction when it comes to coverage that benefits you.
Commercial car insurance costs and rates are based on things like your and your workers’ driving records, the types of cars you use, and how often and how far they are driven. Giving your insurance broker at Texas Insurance Agency all the info they need will help them find the best policy for your business.
Companies should have enough insurance to cover their possible risks because it’s good for their finances. As your insurance broker, it’s our job to give you honest, thorough advice based on the needs of your business. We recommend only the best insurance policies, companies, and plans. Our goal is always primarily to provide you peace of mind along with fantastic coverage.
Texas Insurance Agency is Unbeatable in the Insurance Agency
What kinds of personal insurance policies do we offer? We offer homeowners’ insurance, boat insurance, motorcycle insurance, and more. What kinds of commercial insurance policies can we help you with? We can help you with commercial umbrella general liability insurance, workers’ compensation insurance, manufacturers’ insurance, and more.
Fun Facts About Houston, TX
- “Bayou City” is a nickname for Houston.
- Houston has four major bayous.
- Houston has four state universities.