Houston is the largest city in Texas and the 4th largest city in the United States. Unfortunately the Texas Transportation Department says that Houston also has the 4th worst traffic congestion in the country. If your company owns and relies on autos, trucks or vans as part of its business operation, be sure you have taken the time to purchase the right Houston, TX commercial auto insurance.
A local Trusted Choice® network agent can help you evaluate your business risks and compare Houston commercial auto insurance quotes. Contact a Trusted Choice agent today to start comparing Houston commercial auto quotes.
Houston business owners who rely on company-owned vehicles need to comply with Texas financial responsibility laws just like individuals do. Failure to comply with these laws may result in your company being fined, or worse, suffering severe financial losses if held liable for a serious accident. That is why it is important to keep your company's finances secure with the right business auto policy.
Many Houston residents own small and at-home businesses. They often make their personal van, truck or car perform double-duty as a commercial vehicle. This may be sensible, but it is important to review your coverage first. The Texas Department of Insurance (TDI) warns consumers that some personal auto policies exclude coverage if an accident occurs while the vehicle is being used for business purposes.
You could be risking your Sugarland catering or Bellaire pizza delivery business if you use your car for business without the proper commercial auto coverage. The addition of a for-hire or non-owned vehicle policy can help protect your business from liability charges when personal autos are used.
While some companies have similar business-auto coverage needs, other companies may have very unique requirements because of their particular risks. Even two very similar companies may pay very different rates due to the many factors that commercial vehicle insurance companies consider when determining costs.
Consider, for example, a trucking company that hauls freight up and down I-59 regularly. This company will have very different coverage needs than a real estate agent in The Woodlands might. The prices that these two different types of companies will pay will vary significantly.
A local Trusted Choice network agent can provide you with custom-tailored Houston commercial auto insurance quotes that are right for your particular business.
Your local member agent may provide you with different alternatives depending upon your line of business, company size and other factors. Some alternatives your agent may present to you include:
Commercial auto insurance is very similar to personal auto insurance. The main difference is in the amount of coverage required. A business has a lot to lose in a liability lawsuit. These are some basic coverage types to discuss with your Trusted Choice insurance agent:
Houston provides residents with plenty of opportunities to start and expand a business. Researching commercial car insurance policies may not be the best use of a business owner’s time. Let a Trusted Choice network agent do most of the hard work for you. A local network agent can help you analyze your risks and compare different Houston commercial auto insurance policies.
By working with one of these independent agents, you may be able to find a better policy at a better price that what you might find on your own. Contact a Trusted Choice agent near your home or business today to start reviewing your selection of Houston commercial auto insurance.