Helpful Trucking Insurance Companies | Katy TX

As one of the best trucking insurance companies Katy, TX, Texas Insurance Agency is prepared to help you find the policies that will protect your investments and help grow your business. Trucking is an industry fraught with many potential hazards, so it pays to be prepared and plan ahead of time by investing in a good insurance policy.

Our trained team members have years of experience finding coverage for individuals and businesses alike, and we’re determined to find the best plan for you. Call us today to speak to one of our friendly insurance agents. For your convenience, you can also request a free quote online. Existing customers can use our service request page if they need help with an existing policy.

Great Coverage to Support Your Business

We will always strive to provide the best customer service to all of our clients. That’s why we offer business and personal insurance for all your coverage needs. Our brokers will carefully consider every aspect of your business and find a policy (or policy bundle) that will provide the coverage you need to succeed.

For starters, you will most likely want to purchase general liability insurance for your business. However, offer several other types of business insurance such as commercial auto insurance, which will cover your company vehicle if your employees use it to drive around for inspections or other company tasks. Basic commercial auto insurance covers standardized vehicles like trucks and cars.

Remember that your coverage options depend on the type of vehicle that needs to be covered. Business vehicle insurance covers damage to vehicles, the other driver’s injuries, and damages to the other driver’s property.

If you’ve determined that you need commercial auto insurance for your business, the policies you choose will likely include any (or all) of the following aspects:

  • Liability coverage
  • Comprehensive coverage
  • Uninsured/underinsured coverage
  • Personal injury protection
  • Medical coverage
  • Collision coverage
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When you’re looking for trucking insurance companies Katy, TX, consider reaching out to Texas Insurance Agency.

Why You Need Trucking Insurance Companies Katy, TX

When choosing insurance for your trucking company, you should keep in mind what kind of goods you’re transporting. You should also consider how many years of experience your drivers have. If a driver is not seasoned, the rates will change because of their lack of experience.

Your insurance options will also change depending on what other kinds of risks are involved in your industry as well as the type of vehicle(s) being covered by the policy. Some businesses will need specific auto insurance for specialized vehicles, such as the following:

  • Tractor-trailers
  • Dump trucks
  • Cement trucks
  • Delivery vans
  • Flatbed trucks

We are here to help you with finding the right policy. By law, it’s required for you to carry trucking insurance for tractor-trailers or large vehicles. There are two important areas of coverage to carry: liability coverage and physical damage coverage.

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It’s important to have insurance that covers both physical damage and bodily injury.

Liability and Physical Damage Coverage

Both are as important as the other, but primary liability coverage consists of bodily injury and property damage. These options will keep you covered if someone is injured, causes property damage, or is killed. This portion is intended to cover the other party, not you, your driver, or damage to your property.

Luckily, physical damage coverage takes care of those parts. Most physical damage policies offer both comprehensive and collision coverage. Collision coverage will protect you against damage and loss in the event of a vehicle accident on the road. On the other hand, comprehensive coverage will protect you against any other kind of damage or loss, such as being robbed or hitting an animal during a trip.

You may also want to invest in specified cause of loss coverage, especially if you live in an area with extreme weather. These types of policies cover very specific hazards, such as hail, fire, or vandalism. If you’d like to learn more about any of these specific coverage plans, call us today. Good trucking insurance companies Katy, TX will inform you of your best options, so we’ll let you know if you should consider buying one of these policies for your business.

Medical Coverage

Should there be an accident involving one or more of your vehicles, you’ll be responsible for covering the medical expenses of anyone involved in the accident. In this scenario, you’ll need the help of medical coverage provided by a good commercial auto insurance policy. This coverage will pay for any medical expenses incurred by you, your driver, or any passengers the driver may have had onboard.

For example, if a locksmith were to get into a collision while on the way to their job, medical coverage will pay for their medical bills and an ambulance if necessary, regardless of whether the collision was their fault or not.

Non-Trucking Liability Coverage

Imagine that it’s the end of a long day, and one of your drivers has clocked out for the evening. Even though their shift is over, they agree to drive one of the trucks back to your business site. During the trip, they get hit by another driver. The other driver is unhurt, but your driver suffers from minor injuries.

Who is responsible for their medical fees since they were technically off the clock when they got hurt in your company vehicle? In this case, you would want to have non-trucking liability coverage under your trucking insurance.

This kind of insurance is also known as bobtail coverage. It’s invaluable to have a policy like this as part of your overall truck insurance because primary liability insurance may not cover these incidents.

Let Us Find the Right Plan For You!

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Contact us today for the best trucking insurance companies Katy TX.

Texas Insurance Agency has expert independent insurance agents that serve Katy, Pearland, and the greater Houston area. They are reliable insurance agents that work to support your needs and help you find the best insurance for your business.

Feel free to call our Katy office anytime from Monday through Friday between 8 am to 5 pm. Sunday and Saturday meetings are available by appointment only. We’re here for all your insurance needs, and we’re proud to serve you as one of the best trucking insurance companies Katy, TX.

Fun Facts for Katy, Texas:

  • Katy Independent School District was formed in 1918.
  • Katy Magnolia Cemetery is known for supposed sightings of ghosts.
  • In its early years, Katy was known as a rice-farming community.

Our Partners

We are pleased to partner with these companies to bring you the best coverage at the lowest rates available.