Texas Insurance Agency is your best bet when you’re looking for the best trucking insurance companies Pearland, TX. We’re here to support you when you need an experienced team of insurance agents at your back. Our insurance company happily serves clients in Katy, Pearland, and the Greater Houston area. We have a staff of reliable insurance brokers that strive to provide top-tier insurance coverage packages for all your needs.
We have plenty of insurance plan options for you to browse, including trucking and transportation, commercial auto, business, and general liability insurance. Do you need to cover gaps in your current policies? Our company also offers commercial umbrella liability insurance to support your existing plans.
Call us today to discuss your business insurance needs. You can also stop by our Pearland office to speak to one of our trusted insurance agents in person. If you have any hesitation about reaching out, try getting a free quote from us online first.
Choose from the Best Trucking Insurance Companies Pearland, TX
There are already enough risks on the road involved with regular, everyday driving habits. However, these risks significantly increase when you take responsibility for driving a large, bulky vehicle like an 18-wheeler full of goods or merchandise. General auto insurance won’t be nearly enough to cover you in this case.
That’s because, with a trucking or transportation business, you’ll need to consider many more variables when choosing a plan with adequate coverage. For instance, the type of vehicle you or your drivers will use will determine the kind of policy you need to pick. Commercial auto insurance would typically be enough if your company simply needed coverage for standard cars and trucks.
However, involving specialized trucks, such as dump trucks, flatbed trucks, or tractor-trailers, dramatically narrows down your options. Those are far from the only aspects that will dictate the kind of policy you can choose. You also have to consider the attributes of the people who will be driving the vehicles.
A team full of expert, seasoned drivers with decades of experience will need very different coverage than a band of rookie drivers with only a handful of years under their belts. Younger drivers tend to require more expensive insurance plans simply because of their age, regardless of their ability.
Cargo Concerns and Realizing Risks
The cargo your team will be carrying also affects the kind of policies you can apply for. Does your business specialize in one area of goods delivery, or do you take jobs from all sorts of customers? Are the items you carry considered dangerous or harmful if they were to leak or spill, such as chemicals? Do you haul perishable goods that need to be kept at certain temperatures, or else they will spoil?
You’ll need to find a plan that adequately covers the types of cargo you carry on a regular basis. For example, if you have merchandise that requires refrigeration, you might consider purchasing a plan that gives you reefer breakdown coverage.
This is also known as refrigeration cover and is an excellent add-on to standard cargo insurance. In the event of a malfunctioning refrigeration unit or a collision, your damaged, spoiled, or lost goods will be covered.
The areas where your fleet travels will also impact your coverage options and prices. Drivers who frequently travel through snowy areas full of icy paths or storm-soaked sections of rainy roads will need to be accounted for. You’ll want to be sure you’re covered in case one of your drivers gets stuck during a flood or blizzard. Dependable trucking insurance companies Pearland, TX will account for these possible conditions.
Standard Parts of General Auto Insurance
All of the above considerations may be a lot to think about, but there are a few essential aspects of a good auto insurance plan that you should also look for. They include the following areas:
- Medical bills
- Workers’ compensation
- Rental costs
- Collision and repair expenses
These apply to nearly any business that relies on transportation, whether it’s a delivery service or a travel bus agency. Other common coverage areas, like physical damage insurance, should be easy to acquire. Physical damage insurance can help cover your drivers and their trucks in the event of theft, collisions, vandalism, and natural disasters.
Medical coverage should be a given for any company, regardless of whether it involves transportation. If one of your drivers gets into an accident, it’s vital to ensure they have adequate coverage to cover any medical expenses incurred. After all, a business can’t function without employees, so keeping them safe is a top priority.
Though you can’t always protect them from the unexpected, you can still ensure they’ll be taken care of if they get hurt while on the job. Aside from that, if you’re looking for more employees and candidates realize that your company lacks a good medical insurance plan, they will most likely pass up on any job offers you extend.
Find the Right Insurance Coverage with Our Team
There are many reasons why insurance can greatly benefit you and your business. However, having the right kind of insurance coverage is ultimately what matters the most. When looking for insurance, deciding which policy will work best for you and your employees can be difficult.
That’s why Texas Insurance Agency will set aside enough time to make plans that work for you. We want to help you navigate the massive world of insurance policies, no matter how confusing it may be.
Our team is dedicated to deciphering plans and policies for everyone to make reliable insurance more accessible.
Our business wants to see yours grow and succeed, which is why we spend so much time and effort crafting the perfect policy bundles for our clients. As one of the best trucking insurance companies Pearland, TX, we take great pride in caring for your needs.
Fun Facts for Pearland, TX:
- Pearland was first established in 1893.
- The city’s name comes from its abundance of pear trees in the area.
- Most of its fruit trees were destroyed due to the 1900 Galveston hurricane.