Get the right commercial trucking insurance North Houston, TX that works for you. Commercial trucking insurance provides coverage for the costs associated with damages to the truck, liability for bodily injury or property damage, and cargo loss due to accidents. Whether you’re an owner-operator or in charge of a fleet, you’ll want commercial trucking insurance to protect you as you go about your trucking business. Contact Texas Insurance Agency today to learn more about your options!
The trucking business is one of the major industries in the United States and around the world. This industry involves moving goods over long distances and is the backbone of many other industries. So, as you would expect, you would want insurance to cover anything that could happen, whether on the road or off it.
No business is the same, so no insurance policy should be the same. There are different types of trucking insurance policies out there, and they might not all work for you. You must learn about the different available options and select the one that best fits your needs. For example, along with traditional coverage, some companies also offer additional coverage for collisions, uninsured motorists, and personal injury protection.
Having the right coverage is an important part of any business. It protects your business from financial losses due to accidents. That’s why getting quotes from several providers is important to ensure you get the most coverage for your money. Texas Insurance Agency offers free quotes for all of our services, so feel free to contact us or fill out the form online!
Common Types of Commercial Trucking Insurance North Houston, TX
Per federal and state law, any business that uses a vehicle for business purposes must have some type of commercial vehicle insurance. Commercial auto plans usually cover more than personal plans would. That’s because businesses would need to cover more in case of an accident. For example, most commercial auto plans include the following coverage:
- Damage to vehicle(s)
- Injury (whether the driver or someone else)
- Property Damage (to someone else)
Of course, that’s what most basic commercial auto insurance plans cover. Trucking insurance usually goes more in-depth because many more factors could affect your business. For example, the type of coverage you need may differ depending on what type of truck you’re driving. When you work with our team of agents here at Texas Insurance Agency, we’ll help you find the plan that covers everything you would need.
Most trucking insurance plans offer the basic types of commercial auto insurance, such as collision, personal injury protection, uninsured and underinsured motorist, comprehensive insurance, and coverage for medical payments. Of course, truck-specific coverage is also available, such as motor truck cargo, motor truck general liability, and non-trucking liability. If you need help choosing which truck-specific plans you need, our experts can help you.
The Details of Truck-Specific Insurance
As we mentioned before, on top of the usual commercial auto insurance, trucking insurance also includes plans that can protect your trucking business.
Motor Truck Cargo – This type of plan protects your business against losses due to the destruction of cargo, theft, and other issues.
Motor Truck General Liability – This plan protects against liability claims on your business. Some options may include product liability, cyber liability, and errors and omissions.
Non-Trucking Liability – You may drive your truck around for non-business purposes. If you’re an owner-operator, this plan will protect your truck when you’re driving it for non-work purposes.
A couple of other commercial trucking insurance plans may also include Physical Damage Insurance. Accidents on the road aren’t the only thing that can damage your truck. Weather elements, animals, and other people can damage your truck. This type of plan covers the cost of any physical damage to your truck.
The costs for some of these options or all of them will depend on a few factors. Usually, it depends on the truck you drive, USDOT authority, coverage requirements, cargo, operating radius, and driving history. Of course, this seems like a lot, but when something does happen, it’ll be a small price to pay in the end.
Commercial Umbrella Insurance: Take an Umbrella for When Things Get Out of Hand
Your typical commercial trucking insurance North Houston, TX plan will take care of most accidents. However, sometimes, you may run into something that’s way out of your pay grade. For example, a claim that exceeds your coverage by a ridiculous amount comes in. If you don’t have coverage, you’ll have to pay the difference out of your own pocket.
That’s where commercial umbrella insurance comes in. When it’s raining really hard, enough to soak your clothes to your skin, you obviously want to avoid that from happening. That’s why we have umbrellas. And, in the case of insurance for businesses, you don’t have a claim coming for your livelihood.
Commercial umbrella insurance provides business owners with an additional layer of protection against large liability claims. This type of insurance plan protects businesses from financial losses that exceed the limits of their existing liability policies. It can cover a wide range of potential risks, and we can help you tailor it to meet the specific needs of your business.
Learn More About Trucking Insurance
Leave finding the right trucking insurance for your business to the experts! Here at Texas Insurance Agency, we take pride in knowing that we put our clients, that is, you, first! Call our office today when you’re unsure where to start protecting your business’s financial assets!
We have offices throughout Houston, including a location in North Houston. Whether you want a free quote or insurance advice, our team can help you find the coverage you need! So, let us help you find the right commercial trucking insurance North Houston, TX today!
Houston, Texas Fun Facts:
- One of Houston’s nicknames is Space City.
- It’s home to Johnson Space Center’s Mission Control Center, aka NASA.
- “Houston, the Eagle has landed.” was the first sentence said from the Moon, making “Houston” the first word spoken.