Call Us (855) 935-1233
Auto Insurance AUTO

Auto insurance protects you against financial loss if you have an accident.

Read More
Commercial Auto Insurance COMMERCIAL AUTO

Make sure your work vehicle or fleet is protected as well.

Read More

Discover the perfect insurance options to meet your specific and unique needs.

Read More
Flood Insurance FLOOD

Browse a variety of insurance options in order to find the right one for you.

Read More

Learn about different roadside coverage options that fit your specific needs.

Read More
Mexico Insurance MEXICO COVERAGE

Finding insurance doesn't have to be difficult. We do the work for you.

Read More

Orange Trucks

You likely know that most drivers in Texas must carry car insurance. As an insurance agent, it is up to you to provide your customers with this coverage. But different drivers have different needs. Thus, you must help them choose coverage. Often, you will have to guide your clients towards a commercial auto policy, as opposed to personal coverage. Why must certain drivers have commercial coverage?

Understanding Auto Commercial Coverage

Those who drive for their business put not only themselves, but also the business at risk.

Think about some of the losses you might incur from a damaging loss. Wrecks or other incidents might damage your vehicle. These accidents might harm you or others. Whatever the outcome, the recovery costs might have to come from your business accounts. Can your operation really afford that? Most business owners don't want to face the prospect, regardless.

That's why most business owners must carry commercial auto insurance, specifically. Most personal car insurance policies won't apply to vehicles used for business purposes. However, commercial policies can protect the business' interest in the car. They can also apply if you use the car personally.

Who Needs It?

One of your clients calls you to ask if they need commercial auto insurance. What should you tell them?

Those who need coverage are those who drive for business purposes a significant part of the time. Commuting to work or running the occasional errand usually doesn't merit coverage. However, making deliveries or racking up mileage for work often make you need a policy.

Most often, those who qualify for coverage are:

  • Businesses that own vehicles for specific use, such as fleet vehicles
  • Employees or business owners who use their personal vehicles for official business
  • Businesses that provide employees with a vehicle for personal and commercial use
  • Those employed in transportation-related businesses. For example, ride share services and food delivery services might need coverage

What Will It Cover?

Your commercial auto insurance policy will need to apply to your business, specifically. So, depending on your line of business and your industry, the exact coverage you need might vary.

Most commercial drivers need at least:

  • Liability Insurance: If you are found at-fault for a wreck, this coverage will help you pay for the losses of others.
  • Physical Damage Protection: This coverage pays for damage to your vehicle. It might pay for damage from wrecks, fire, weather and other losses.
  • Personal Injury Coverage: In the event you get hurt in a wreck, this coverage might pay your medical bills.

Talk to your customers about how, when, where and why they use their vehicles. Then work with them to establish appropriate insurance coverage for the value of all their assets.

Contact Us

Share |

No Comments

Post a Comment
Required (Not Displayed)

All comments are moderated and stripped of HTML.
Submission Validation
Change the CAPTCHA codeSpeak the CAPTCHA code
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2019
  • 2018

View Mobile Version
© Copyright 2019. All rights reserved.
Powered by Insurance Website Builder