State of Texas
Commercial auto insurance helps cover the costs of an auto accident if you or an employee is at fault. This coverage can help pay for damaged property and medical expenses – even in the event of a fatal accident. Commercial Auto Insurance can cover medical or property damage to you or another party. It can cover a combination of vehicle types and drivers, as well as some types of motorized equipment. It provides for bodily injury liability and property damage while operating a company automobile. Furthermore, it covers medical payments or Personal Injury Protection (PIP) for the driver and passengers of the policyholder’s car.
Hired/Non-owned Auto Liability
Are you renting cars or are your employees using their own vehicles? Hired/ Non-Owned Auto Liability coverage provides business insurance coverage for certain liabilities arising from the use of a rented or leased vehicle (hired), or a non-owned vehicle (employee using their own vehicle on company business). Oftentimes this coverage can be added inexpensively to a business auto policy, or in some cases, a general liability policy.
Use of Personal Vehicles
Insurance policies for privately owned vehicles may not cover damage to your vehicle when it is used for business. A good rule of thumb is to consider if the vehicle is being routinely operated for the business. Activities like hauling tools to and form a worksite, jewelry sales, or a pizza delivery service may not be covered under a personal auto policy. These vehicles may need a separate business auto insurance policy.
Signs & Wraps
If you have a sign advertising your business on your auto, you need a commercial auto policy. Unfortunately, a claim will most likely be denied if you only have a personal auto policy.
Every business is unique – Please contact us today to find out how to get the best commercial auto insurance, service, price, and value. Give White Slate Insurance a call at 817-809-4522 or you can email us at firstname.lastname@example.org
Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify, or supplement any insurance policy. Consult the actual policy or your agent for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services.
This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.