Commercial transport insurance Houston, TX is more commonly known as commercial trucking insurance. Like in any other state, this type of coverage is a necessity for businesses that use trucks or other types of transportation to move goods. The cost of trucking or transport accidents is high, and having the right plan in place can cover any expenses that occur because of an incident or accident.
What does commercial transport insurance cover?
This type of insurance is a commercial offshoot of auto coverage. A normal crash or accident can cost anyone hundreds or thousands of dollars in repair fees. But how does that translate when your cargo is also involved? A typical plan will cover the following issues that could happen during an accident:
- any physical damage that happens to the truck or the other party involved in the accident
- bodily injuries or property damage to the other party(ies)
- additional losses that occur when an uninsured or underinsured driver is involved
- damage, destruction, or loss of your cargo that was in the truck or commercial vehicle
Rather than waiting for an accident to happen, it’s better to protect against the possibility beforehand. If your business is in or connected to the trucking industry, it’s always better to be ready than to hear the bad news afterward. Keep your business operating with the right commercial transport insurance. If you’re ready to take the next step, contact the team from Texas Insurance Agency now.
Our agents have helped clients throughout Houston start off on the right wheel. We provide free quotes to anyone interested. Although we’re insurance brokers, we don’t work for the insurance companies. We work for you.
We’ll help you bundle and save on all the insurance plans you need for your business. If you need the best insurance for your needs, you’ve come to the right place. Trust Texas Insurance Agency to find everything you need while staying within budget today.
Commercial Transport Insurance Houston, TX in Texas
Texas doesn’t require too many types of insurance for businesses. The main one is general liability insurance for all businesses that use commercial vehicles daily. This type of coverage is the basics of basics for any business, even if transporting goods isn’t part of their workload. However, if trucking is a big part of your business, you’ll need more than the basics.
Firstly, let’s sort out what’s required for your general liability insurance. By law, Texas requires you to have $30,000 for bodily injuries per injured person, $60,000 for bodily injuries per accident, and $25,000 for property damage. Of course, that’s the base. If you think you might need more to cover your business, you can discuss the details with one of our agents.
What other types of business insurance do I need for my trucking company?
On top of general liability, our experts suggest looking into a business owner’s policy, worker’s comp, inland marine insurance, and commercial auto insurance. No commercial transport insurance plan looks complete without commercial auto insurance. Not to mention, the FMCSA requires business owners to have specific coverage before their trucks even hit the road. Learn more about what you need from Texas Insurance Agency.
Learn More About Commercial Auto Insurance
Commercial auto and trailer insurance can pay for property damage and injuries that happen during an accident or other unexpected incident. It’s the best plan to protect the vehicles you use for work from auto accidents, vandalism, theft, or weather damage.
We can help you tailor it to your business, helping you find the best coverage for your business. For example, you may need less coverage if your trucks stay within state lines. However, cargo or freight trucks that cross multiple states will need more coverage.
A comprehensive commercial auto insurance plan will cover:
- Legal expenses – in case your business gets sued because of an accident
- Medical expenses – in case of any injuries to your truck drivers and any passengers
- Collision aftermath – in case your truck or the other party’s vehicle is damaged and needs repairs
- Uninsured or underinsured drivers – in case your driver gets in an accident with an uninsured driver
- Non-collision damage – in case your truck takes damage from an incident while not on the road
The Amount of Coverage for Commercial Transport Insurance
The amount of coverage your commercial transport insurance bundle needs depends on your business. Not every business is the same, and you won’t necessarily get the same coverage as your rival. One of our agents can help you decide what the right amount for your business is.
No matter what the end amount is, your business needs to reach the minimum amount required by state and federal law. If your trucks or transport vehicles cross state lines, you might need to consider additional coverage to meet other states’ requirements as well. The exact amount you need will depend on a few factors, including the following:
- The type of cargo your business transports
- Whether or not your business also handles hazardous materials
- The number of miles your trucks travel in a year
- The types of trucks and trailers you use during transport
Our agent will help you find the best coverage for your business. Knowing the answers to these factors can give our agent a better ballpark to work with. Get the commercial transport insurance you need with the help of a qualified expert from Texas Insurance Agency today.
Protect Your Trucks & Cargo
Insurance plans financially protect you, your business, and everyone involved in it. Rather than taking a loss when an accident or incident out of your control occurs, get insurance to help you bounce back faster. Contact our Houston office to learn more about the best plan for you.
Our Houston office has helped clients for years, and we can help you find the right coverage plan for you. If you’re in the trucking business, you’ll want a commercial transport insurance plan that can protect your business and cargo while it’s out of your view.
Houston, Texas Fun Facts:
- The city has more than 150 museums that visitors can enjoy.
- The best time to go is on Thursday because many museums in the Museum district offer free general admission.
- The Fine Arts Museum in Houston has the largest collection in the South.