Commercial Auto Insurance Houston TX
If your business is always on the go, then you may need to secure a commercial auto insurance policy. Because your personal car insurance will not cover your business’s needs and journeys, it becomes essential to find the right commercial coverage to protect your vehicles, drivers, and business. This type of business insurance covers a variety of vehicles, whether you operate a fleet of cars or trucks.
Why do you need commercial auto insurance in Texas?
If your business operates vehicles or you allow your employees to drive their personal vehicles for business-related duties, then you will need a commercial insurance policy in Houston, TX. If any of the following statements are applicable to your business, then you may need to wonder where to get commercial auto insurance near me.
- You are using your personal car to transport goods or people for a fee.
- You use your car to conduct a service.
- You need higher limits of liability coverage because of the nature of your work.
- You haul tools of equipment used to conduct your business.
- Your employees operate a company-owned vehicle.
What does commercial auto insurance cover?
Commercial auto insurance, like your personal auto insurance, provides similar coverages. Generally speaking, commercial vehicle insurance will include coverages such as:
- Medical payments
- Uninsured motorist
The amount of coverage offered by a commercial auto insurance policy will vary widely depending on the scope of your coverage needs. The amount and type of coverage that your business needs will depend on the type of vehicles used in business operations, who will be driving these vehicles, whether your business owns or leases these vehicles, and whether your employees rely on their personal vehicles for business purposes.
Looking for more information regarding commercial auto insurance? Don’t hesitate to contact the experienced professionals at J Archer Insurance. Our dedicated team have years of experience in finding the right commercial auto insurance solutions for businesses across Texas.