Looking for Houston TX Truck Cargo Insurance? Texas Insurance Agency will get you covered.
Do you own one cargo truck? Or does your business owns several? In either case, Texas Insurance Agency will help you get the right policy for your Houston TX Truck Cargo Insurance needs. We have five locations right here in the Houston Texas area.
Texas Insurance Agency has partnered with lots of insurance carriers. We are an independent insurance agency. That means we do not work for insurance companies. Our job is to have insurance companies compete for your business.
Houston TX Truck Cargo Insurance
Every vehicle on the road must have general liability insurance. However, motor truck cargo insurance is different.
Owner-operators of cargo trucks need Texas commercial truck insurance. You want to ensure your truck insurance coverages include physical damage caused by a big truck like yours. We will look at several insurance carriers for you and get you a cargo truck insurance quote that meets your needs.
Owners of cargo trucks need to know what type of auto insurance option protects them from trucking liability. Let’s take a look at your options.
What Type of Insurance Do I Need For a Cargo Truck?
State law requires general liability insurance on every car and truck on the road. However, personal auto insurance does not apply to business vehicles. In other words, a vehicle used for business purposes requires a different type of auto insurance.
Here at Texas Insurance Agency, we work with several private carriers. These carriers provide both business auto insurance and commercial auto insurance. It is important not to confuse these. Let’s take a look at the difference between business auto insurance and commercial auto insurance.
Business Auto Insurance Vs. Commercial Auto Insurance
Business Auto Insurance
Some privately-owned vehicles serve a business purpose. Business auto insurance is an option in this case. A private vehicle often used for a business reason, service, or task may qualify for business auto insurance.
One example is a flower shop owner who uses his own van to deliver flowers to customers.
Let’s say, for instance, you are a sole proprietor. You just purchased a van for your delivery business. However, you also use it to take your kids to school every day. Sometimes, your wife uses the van for grocery shopping.
Would you consider your van a private or business-owned vehicle?
This privately-owned van is used for business reasons the majority of the time. Because of that, business auto insurance is a great fit. However, depending on certain factors, commercial auto insurance may be a better option. Our agents are happy to consult with business owners and help you decide what is best for your needs.
Commercial Auto Insurance
Now, let’s consider your cargo truck.
Many vehicles used for business reasons are specialty vehicles. Also, the business usually owns these vehicles. A cargo truck is a specialty vehicle. Specialty vehicles serve a unique function and perform business tasks.
Commercial auto insurance applies to specialty vehicles. These vehicles perform tasks for the company and are business-owned.
For example, a business or sole proprietor purchases a food truck, a box truck, or a cement truck. They are not personal vehicles. They perform job tasks. Similarly, your cargo truck is not used personally but most often for your business.
Because of its ownership and its function, your cargo truck needs commercial auto insurance.
If you have questions, we are happy to chat over the phone. You may also email your questions. An agent will gladly go over your case.
How Will Commercial Auto Insurance Protect My Truck Cargo?
When looking at Houston TX Truck Cargo Insurance, you should note what is covered.
Commercial auto insurance is a policy that has higher liability coverage than a personal auto policy. Most commercial vehicles are much larger and heavier than passenger vehicles. For this reason, you need commercial auto coverage in place before using your cargo truck. You will be protected, and you will be street-legal.
What Commercial Auto Insurance Covers
Once your cargo truck is covered, you will have more peace of mind.
Coverage included in a commercial auto insurance policy includes:
- Any injuries you sustain in an accident
- Third-party property damage
- Coverage for medical bills incurred on the other driver(s)
- Pedestrian injuries
- Physical damage to your cargo truck
- Legal fees incurred because of an accident
Your policy can also include additional optional coverage and insurance riders.
A question often asked is whether coverage includes any business equipment or property inside a cargo truck. Business property and equipment fall under a different type of business insurance.
Please get in touch. We can discuss what your business needs.
Texas Insurance Agency Can Help Protect Your Cargo Business
Perhaps your cargo trucking business operates out of a brick-and-mortar building. Maybe you are an independent contractor. In either case, Texas Insurance Agency wants to make sure that your entire business is protected. Contact us so that we can discuss your particular needs and questions.
Texas Insurance Agency Also Offers Personal Insurance
You’re not just an employee or a business owner. You’re also a person with a home and family. Texas Insurance Agency is here to help with all of your insurance needs.
If your family is growing, you may be thinking about getting a life insurance policy to protect your spouse and children.
Five Locations to Serve Your Cargo Truck Insurance Needs
Texas Insurance Agency has five branch offices in Houston, TX to serve you.
We have office locations in Katy, The Woodlands, Pearland, North Houston, and the uptown Houston area. If you prefer an in-person consultation, please stop in during our business hours.
We will find the right commercial auto insurance coverage for your cargo truck. We will get you insured so you can get your business on the road. Call or stop by today for a Houston TX Truck Cargo Insurance quote.
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