Any vehicle on the road in Texas needs to be insured, and that includes any automobiles that are used for business purposes. These cars, trucks, and vans (whether owned or leased) need to be protected by commercial auto insurance, which is a type of car insurance specifically for businesses.
In Texas, commercial auto insurance is like your personal auto policy in the way that it provides coverage for liability, collision, comprehensive, uninsured/underinsured motorists, and medical payments. However, commercial auto insurance tends to be a bit more robust and have differences in coverages, exclusions, and limits.
You probably require Texas commercial auto insurance if your business:
- Has employees who drive their own cars to conduct business
- Has employees who drive company-owned, leased, or rented vehicles
- Owns, leases, or rents various motor vehicles
Still not sure if your business needs commercial auto insurance? Contact BKCW and we will help you figure it out. If we think you could benefit from a Texas commercial auto insurance policy, we’ll conduct our Risk Management Audit which looks at the whole picture and determines possible risks your company faces. Once the risks have been identified, we will advise you on ways to reduce or eliminate them — which usually ends up lowering your premium and making your insurance more cost effective.
We will even put together a service plan which will outline what you need to do to make sure you’re meeting the expectations of the policy and the audit. A few months down the road, we will follow up to ensure you are still happy with your coverage and give you the opportunity to let us know if you are happy with our service. We’re always here to help you — not just when you’re buying your initial policy, but all the time.
If cars, trucks, vans, or other motor vehicles play a role in how you do business, get the Texas commercial auto insurance your company needs to stay protected. Contact BKCW today for additional information and to learn more about our business insurance packages by calling 512-250-5055.