Texas Commercial Auto Insurance
Driving a commercial auto is one of the larger risks that business in Texas takes every day. You or your team member driving about moving goods and services does create risk no matter how careful you may be. McKinney Texas commercial auto insurance is needed to transact day to day business to insulate the business. ConXis Insurance Services offers coverage for a variety of commercial vehicles used to conduct daily business including cars, pick-up trucks, vans, landscaping trucks, utility trailers, cargo vans, flatbeds, straight trucks, and more. Whether your fleet is big or small, Texas business owners are required to be properly covered by a commercial auto insurance policy.
What Does Texas Commercial Auto Insurance Cover?
ConXis Insurance Services understands that commercial auto insurance coverage can be similar to a personal auto insurance policy, except that a commercial auto is a vehicle that is used primarily for business. Note primarily, because the same vehicle may be used for both personal and commercial purposes. It is important to properly differentiate a personal vehicle from a commercial vehicle.
Commercial auto coverage includes liability, comprehensive, collision, uninsured/underinsured motorist, personal injury protection, medical payments, and many other options.
Why Do I Need Texas Commercial Auto Insurance ?
A Good rule of thumb is that is your vehicle is used in business it will most likely need commercial auto insurance. ConXis Insurance Services recognizes the value of insulating your business from unnecessary risk. Here are some reasons as to why you need to make sure your vehicles are insured properly with commercial auto insurance:
- Your personal auto insurance policy will usually be voided if you are using your vehicle for commercial use.
- Your commercial auto policy will carry higher liability limits than your personal auto policy due to increase risk of lawsuits.
- Customized or Tailored Protection – A commercial auto insurance policy is designed to provide the type of protection a business vehicle needs. It takes into consideration the type of use the vehicle will get, where and when it will be used, and can be written to include special coverage based on the industry where the vehicle is used.
Commercial Auto Insurance In Texas
ConXis Insurance Services understands any vehicle used for the business activity must be insured under a commercial auto insurance policy. This includes but is not limited to: carrier and delivery trucks; taxi cabs, limousines, ground transport vehicles; and construction and work vehicles, messenger vehicles; pizza and other local delivery vehicles; snowplow vehicles used to generate income; and any vehicle registered to a business or used in any way for business purposes. Failure to insure a vehicle being used for any business purpose under a commercial auto policy is a risk to the business itself, especially small businesses that could go out of business if any medium to large liability claim is denied and the business is required to pay out of pocket.
Any commercial operation in Texas must understand that vehicles used by a business for any reason must be covered under business auto insurance. This specific type of insurance offers the protection necessary to keep a company out of legal trouble and covers their liability in the event a commercial vehicle is involved in some type of accident. To learn more about what type of insurance a company requires for its vehicles, contact an experienced Texas commercial auto insurance or business auto insurance agent to discuss specific needs to get the right coverage for your company vehicles!
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