Texas Business Auto Insurance

Texas business auto insurance encompasses several different coverages, all equally important to ensure solid protection against liability claims. As a business owner, you may utilize commercial automobiles within your corporation. Are they adequately insured? Do you have a disaster contingency plan?

Hopefully a liability claim filed against one of your business automobiles will not cause severe financial destruction. In order to prevent this from happening, we have outlined some of the basic coverages that can shield you and your company from potential disaster. While you may not need to invest in every coverage listed, we recommend you take some notes and ask your current agent which are the most appropriate for you.

Texas Business Auto Insurance To Include in Your Policy

Combined single limit liability is one coverage you may encounter while shopping around for Texas business auto insurance. This coverage gives you one combined limit of protection regardless of how many drivers or automobiles you use. If you currently have a split limit policy, you have divided the coverage up by employee and occurrence. Once a driver has surpassed the amount of incidents allotted by your coverage, each claim thereafter is an out-of-pocket expense.

Loading and unloading is a specific coverage tailored to businesses which require employees to perform manual labor to load and distribute your goods. This insurance protects you against bodily injury and property damage during the loading process. Your fleet may be faced with a situation where they are unable to use docks to load merchandise. This requires your team to work around the obstacle which may result in either property damage or bodily injury.