We offer low cost Texas commercial auto insurance and Houston business insurance.
Texas business insurance provides coverage for any business-owned or leased commercial vehicle. Policies typically include collision and damage coverage on top of coverage for property and personal damage to another party.
Just like you should have auto insurance for your personal automobile, you need Houston commercial auto insurance to protect your business-owned or leased vehicles. If you, or any of your employed workers have an accident in your business vehicle, you may be legally responsible for bodily injuries, lost wages or any destruction caused.
Learn about Texas commercial auto coverage and get free TX auto quotes online.
Commercial Auto coverage includes:
Bodily Injury - Coverage for damages that include bodily injury to others for which you become legally responsible for under law.
Property Damage - Coverage for damage to property of others for which you become legally responsible for under law.
Medical Payments - Coverage for necessary medical costs and funeral expenses for those who are unintentionally injured while in your automobile or while getting into or out of your vehicle.
Personal Injury Protection (PIP) - Coverage for therapy, hospital costs, rehabilitation, or loss of services resulting from injury to you or any resident family member. In the occurrence of death to the insured or a resident family member, death benefits and survivor benefits, if covered on your policy, will be supplied.
Additional types of business auto coverage that may be acquired include:
Comprehensive - Coverage for the loss of or damage to your automobile and its equipment from all causes excluding collision, subject to the deductible amount stated on the policy.
Collision - Coverage for the collision damage to your vehicle and its equipment, subject to the deductible amount stated on the policy.
Uninsured Motorist - Protects you against bodily injury damages due to an accident where the other driver does not have an active insurance policy, and is found legally responsible.
Underinsured Motorist - Protects you against bodily injury damages due to an accident where the other party is found legally responsible and does not have proper liability limits to cover your injuries or damage.
Additional Expense - Protects you from additional expenses brought upon as a result of a loss for which you are covered under comprehensive or collision coverage. These costs include rental cars, lodging and other accompanying expenses.
Hired Liability- Liability for automobiles hired under contract on behalf of or loaned to the insured.
Hired Physical Damage - Protects an automobile of any type, hired, borrowed or leased on a temporary basis for business use.
Employers Non-Ownership Liability - Protects a private-passenger vehicle used in the business of the named insured by any person, or the rare and infrequent use of a commercial automobile in the business by any of your employed workers.
