Texas, with its sprawling highways and booming economy, is a haven for businesses that rely on vehicles. But unlike personal auto insurance, commercial auto insurance is crucial to protect your business assets and ensure smooth operations. Here at Jubilee Insurance, we understand the intricacies of commercial auto insurance in Texas and can help you find the right coverage to keep your business moving forward.
Your standard car insurance policy might not cover vehicles used for business purposes. Here's why having comprehensive commercial auto insurance is essential for Texas businesses:
Enhanced Liability Coverage: Accidents involving company vehicles can lead to expensive lawsuits. Commercial auto insurance provides higher liability limits compared to personal policies, protecting your business from financial ruin.
Coverage for Different Vehicle Types: Commercial auto insurance covers a wider range of vehicles, from delivery vans and trucks to service cars and even landscaping trailers.
Protection for Owned, Leased, or Rented Vehicles: Your policy can cover vehicles your business owns, leases, or rents for business purposes.
Customized Coverage Options: Tailor your policy to fit your specific needs, including coverage for optional equipment or unique business activities. Understanding Texas Commercial Auto Insurance Requirements
Bodily Injury Liability coverage means if you accidentally injure someone in a car crash, this insurance helps pay for their medical bills and related expenses. You're covered up to $30,000 per person and $60,000 per accident, ensuring that if the worst happens, you won't be left facing hefty bills on your own.
Property Damage Liability: $25,000 per accident While these are the minimums, it's highly recommended to consider higher liability limits to ensure adequate protection for your business. Tailored Commercial Auto Insurance Solutions from Jubilee Insurance
Non-Trucking Liability: for businesses with cars, vans, or pickups used for deliveries, sales calls, or service work.
Trucking Liability: comprehensive coverage for larger commercial vehicles like box trucks, semi-trucks, and trailers.
Commercial Auto Physical Damage: your company vehicles from damage caused by accidents, theft, vandalism, or natural disasters.
Uninsured/Underinsured Motorist Coverage: your business if the at-fault driver in an accident has inadequate insurance.
Medical Payments Coverage: Covers medical expenses for the driver and passengers of your business vehicle, regardless of fault.
Beyond Coverage: Value-Added Services from Your Texas Partner
Risk Management Consulting: experienced team will assess your fleet's specific risks and recommend strategies to minimize them, potentially lowering your insurance premiums.
Driver Safety Programs: We can help you implement driver safety programs to improve driving habits and reduce the risk of accidents.
Claims Advocacy: In the event of an accident, our dedicated team will guide you through the claims process and ensure you receive fair compensation for covered losses.
Customer Support: We understand the demands of property management. During unexpected situations, our team is here to assist you round the clock. We recognize that emergencies disregard the constraints of regular business hours, which is why our dedicated professionals are accessible to you throughout the week.
Competitive Rates: We work with multiple reputable insurance carriers to secure you the most affordable coverage possible.
Investing in Your Business Mobility: Why Choose Jubilee Insurance
Local Expertise: We have a deep understanding of the Texas business landscape and the specific risks associated with operating vehicles in the state.
Proven Track Record: Our experience and reputation as a trusted provider of commercial auto insurance in Texas speak for themselves.
Customized Solutions: We don't believe in a one-size-fits-all approach. We'll work with you to design a policy that meets your specific needs and budget.
Dedicated Account Manager: You'll have a dedicated account manager who understands your business and is readily available to address your concerns. Get Your Business Rolling: Get a Free Commercial Auto Insurance Quote Today Don't let the fear of unforeseen events stall your Texas business. Contact Jubilee Insurance today for a free, no-obligation quote. Let our experts help you design a commercial auto insurance plan that keeps your fleet protected and your business moving