The state of Texas requires insurance commercial vehicle Houston, TX. At the very least, you need auto liability insurance for each commercial vehicle. Texas Insurance Agency also has other plans that you can add to ensure your vehicles are completely insured. Prevent the financial deficit your business will take when something happens to your vehicles with the right insurance commercial vehicle plan.

Texas Insurance Agency can help you find amazing insurance commercial vehicle.

Is there a difference between auto & auto commercial plans?
Yes! The main difference between these two plans is who owns the vehicle. In a personal auto insurance plan, you, the car owner, own the car. On the other hand, having an auto commercial plan means the vehicle is under the business’s name and is used by and for the business.

Of course, both of these auto insurance plans cover similar items. They pay for any legal expenses, bodily injuries, and property damage that happens during an accident. When you’re looking for an insurance commercial vehicle, you’ll want to find one that can cover everything that could happen to your vehicles on the road or on your property.

Our state only requires commercial auto liability insurance to operate your vehicles. The minimum amount is $30,000 per person, $60,000 per bodily injury, and $25,000 for property damage. However, some businesses may need more coverage than that to protect their business’s financial well-being properly. After all, no business is the same, and you shouldn’t have to use cookie-cutter auto plans.

Texas Insurance Agency can help you with that. Our agents work with various insurance companies to give our clients the best options around. We’re the insurance brokers you can trust to provide you with affordable plans that are tailored to your business’s needs. Contact us to schedule a consultation or get a free quote.

Deciding on the Right Insurance Commercial Vehicle Houston, TX

Most commercial auto plans cover liability damages, collision or comprehensive physical damages, medical expenses for any injuries to passengers of the vehicles, and damage passengers and vehicles get from an uninsured driver. Your basic plan covers any vehicles you own, lease, hire, or use in your day-to-day operations. You can understand it as covering two types of physical damage and providing two types of liability coverage.

The two types of physical damage include:

1. Collision – Any damage accrued from accidents.
2. Comprehensive – Any damage accrued from weather, theft, or incident unrelated to collisions.

On the other hand, the two types of liability coverage include:

1. Bodily Injury – Any injuries to others when the business or driver is at fault.
2. Property Damage – Any damage to someone else’s property when the business or driver is at fault.

That’s only the most basic plan. Our agents can help you tailor your plan to ensure your commercial vehicles are completely covered. A few other optional add-ons include rental reimbursement, personal injury, and medical payments. You can discuss what you think is best for you, your drivers, your vehicles, and your business with our agents and get the best plan for you.

Finding the right Insurance Commercial Vehicle Houston, TX can help your business’s vehicles in case of accidents.

Cost & Coverage – How to Decide the Amount

The cost and coverage of your insurance commercial vehicle will depend on a few factors. The price can rise or lower for the following factors:

• The size of your business
• The number and type of vehicles you use.
• The number of workers who need to drive those vehicles.
• Cost of the vehicles
• Potential business and driving risks.
• The amount that would help your business stay clear after an incident happens.

Before you get a plan or change to a new one, you want to decide how much coverage is enough. Our insurance agent can help you decide on the best amount for your business. Remember, the amount you decide on should be enough to cover any financial deficit that occurs while one of your vehicles is in use. Texas Insurance Agency can help you find a plan that covers everything you need while still staying within your monthly budget.

Who Needs Commercial Auto Plans?

Any business that owns, leases, hires, or uses a vehicle for business needs insurance commercial vehicle. A basic plan is required by most states, although the specifics differ depending on which state you do business in. However, if your vehicles go across state lines, federal law requires you to have coverage. If you own larger vehicles, you may also need commercial truck insurance.

Vehicles that are considered “commercial vehicles” are those you use for your business, carry a commercial license or tag, and are registered as commercial vehicles. You should get an insurance commercial vehicle if you or your workers use a vehicle for instances like going on sales calls, shopping for supplies, or taking packages to the post office. You may also need additional coverage if you use your vehicles for any of the following reasons:

• Deliveries – food, products, or publications
• Chauffeur services – taxis, limos, etc.
• Transporting hazardous materials – flammable or otherwise
• Carrying equipment
• Towing
• Trucking & moving cargo or freight.

Protect your company’s vehicles with insurance commercial vehicle. We’re here to help you at an affordable price.

Learn more about the options available to you when you speak with any of our experts. We can show you the best way for you to tailor an insurance commercial vehicle plan for your business.

We’ll help you build an affordable plan that perfectly suits what you need. Call us today to learn more about how we’re the ones you can rely on.

Let’s Protect Your Business

Insurance plans exist to help you prevent financial loss in case of an accident. Your business is your livelihood, and any loss may feel like a personal loss.

Keep your financial stability with the right plan and coverage! Contact our Houston team today to learn more about the best plans for you.

Our Houston office has helped many clients find the plans for their business. You can be the next one. We’ll show you all of your options for insurance commercial vehicle when you come in for a consultation.

Houston, Texas Fun Facts:

• Houston was once the capital of Texas before it was moved to Austin.
• The city is named after the commander of the troops fighting for independence against Mexico.
• However, it was founded by two entrepreneurs who admired Sam Houston.