Personal and Commercial Texas Auto Insurance Specialist
HENDERSON
INSURANCE AGENCY
972-840-0700
Texas Commercial Auto Insurance
Do you own a business? Have you ever thought about owning your own business? If so, would your business require the use of a vehicle? Well, depending on your business and the frequency of using an automobile, it may be a good idea to look into getting commercial auto insurance.
Some people would tell you that you can just use your personal auto insurance policy for your business. This is not exactly true, personal auto policies specifically exclude coverage if personal vehicle is used primarily for commercial purposes. Contact us today so we can help tailor a commercial auto policy to fit your business needs.
A surety bond may be required to protect your vehicles and other Texas commercial property.
Don't miss out on the many benefits that are available through the purchase of a Texas commercial insurance policy.
Bodily Injury Liability-covers the bodily injuries to someone else that was caused by at -fault driver (employee). Coverage limits up to $1 million combined single limit (CSL).
Property Damage Liability - covers the damage that driver(employee) may cause to someone's property. This is not limited to the damage that may be caused to someone's automobile, but could also be their home, building, fence, or other structures that is damaged by the commercial vehicle.
Non-Owned Auto - provides coverage to the business when an employee uses their own auto for business purposes.
Collision - provides protection for damages the driver (employee) may incur in an accident with other automobiles, stationary objects, or road hazards.
Comprehensive- insures against damages other than that of a collision. Examples of comprehensive insurable causes are fire, floods, riots, vandalism, etc.
Additional Texas Business Auto Insurance Available Such As:
Small Business Auto Insurance - businesses with 100 employees or less.
Tow Truck Insurance - provides protection for any business earning income from towing and providing roadside assistance to disabled vehicles.
Commercial Heavy Truck Insurance - provides liability protection for large, commercial trucks such as: box trucks, dump trucks, tanker trucks, etc.
New Business Insurance - provides insurance and advice for commercial auto insurance for new businesses or businesses just entering the planning stages.
Seasonal Business Insurance - provides insurance for businesses that operate during certain times of the year.
Commercial Auto Insurance Alternatives to establish financial responsibility:
Purchase a surety bond and submit it to the county clerk in the county that your business operates.
Note: the bond requires the signature of at least two Texas resident property owners of the business.
Make a deposit of $55,000 in cash or cashier's check to the county judge.
Make a deposit of $55,000 in cash or securities to the county comptroller.
If you own at least 25 cars, you may submit a certificate of self-insurance to the Department of Transportation (DOT).
Contact us today for additional information on Texas commercial auto insurance.
