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  Work Truck Insurance - What it Does! Business Auto Liability coverage (or Financial Responsibility) is a legal requirement for vehicle owners in Texas. A Business Auto policy protects your business from many of the risks of owning and operating commercial vehicles.Jobsite Insurance Requirements? - We can help you meet the business auto insurance requirements and get you the insurance certificate you need to work.
TxDOT Filing Requirement? - You need the right insurance to get on the road. We can help you meet the Texas Department of Transportation insurance requirements for you business vehicle's state required filing.
 Real people that want to help! - We're more than a website!
 Work Truck Insurance Quote: To obtain a customized Commercial Auto Insurance quote:
  Business Auto Insurance Coverage Options: Liability - Provides protection up to your limits for auto accidents that are your fault and that cause injuries or damage to others. Uninsured / Underinsured Motorist - Provides protection up to your limits for injuries or damage caused to you in an auto accident caused by another driver without auto insurance or with inadequate auto insurance, or, who drives away (hit-and-run).
Medical / Personal Injury Protection - Provides funds for medical bills for you and your passengers if injured in an accident while in your auto up to your limit. Personal Injury Protection includes both medical bills and lost wages.
Comprehensive (Other than Collision) - Protects the value of the auto from damage caused by events other than collision. Examples: stolen vehicle, storm damage, wildlife collision and vandalism.
Specified Causes of Loss - Typically more restrictive coverage than Comprehensive, protects the value of your business vehicle from damage from specific types of events.
Special Issues for Commercial Auto Insurance:
Installed Equipment - Some business jobs require special equipment installed on your commercial vehicle. This can add substantially to the value of the work truck. Be sure that your insurance policy is including this additional risk.
Insurance Certificates - Jobsites may require that your business prove insurance coverage. A commercial insurance policy can provide this proof with a Certificate of Insurance that will show your limits and scope of coverage and the insurance company.
Employees as Drivers - Your business is at risk anytime your commercial vehicles are operated. A motor vehicle record (MVR) that lists any volations for the perspective driver is a basic part of a driver screening process. Larger vehicles and specialized vehicles often require a driver with a Commercial Driver's license. A business owner is also at risk for injuries of drivers in their employment and having a Worker's Compensation policy can be important protection.
Specified Causes of Loss - Typically more restrictive coverage than Comprehensive, protects the value of your business vehicle from damage from specific types of events.
State Filing Requirement - Large business vehicles (over 26,000 gross vehicle weight) and other specialized vehicles like tow trucks are regulated by the Texas State Department of Transportation and have specific requirements for insurance. TXDot filing information and application can be found at their website - http://www.dot.state.tx.us
Work Truck Insurance Quote: To obtain a customized Commercial Auto Insurance quote:
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Combined Single Limit - Rather than the "split limits" typically in personal auto insurance, a single amount of insurance that protects your business on auto liability.
Copyright © 2008 Ross Gray Insurance Agency, Inc.
2404 South I-H 35, Austin, TX 78704-5701
Phone: 512.444.3366 | Fax: 512.447.6226 | Email: Info@QuoteAustinInsurance.com
Website Design & Hosting by Bat City Productions
2404 South I-H 35, Austin, TX 78704-5701
Phone: 512.444.3366 | Fax: 512.447.6226 | Email: Info@QuoteAustinInsurance.com
Website Design & Hosting by Bat City Productions