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Four Questions for Auto Insurance

February 19, 2010

Using the right tool for a job is key to success in any profession. Experts say the same principle applies when selecting an auto insurance policy. Having the right type of policy can help ensure that you, your employees and your business are all protected in the unfortunate event that one of your vehicles is involved in an accident.

If you’re a business owner and you or your employees use a vehicle for business-related deliveries or to carry certain materials to and from a job site, you may need a commercial auto insurance policy that’s tailored to more closely suit the needs—and risks—of a business vehicle operator.

Here are some questions that can help you determine if you might need a commercial auto policy instead of a personal auto policy, courtesy of TXINSURANCEPRO.COM

• Do you need more liability coverage than your personal auto policy provides? Generally, a commercial auto policy provides higher limits of liability, but less or no coverage in areas that are typically not associated with commercial auto risks.

• Do you need special coverage for situations associated with con-ducting business? Commercial auto policies also usually offer certain coverages—such as hired and non-owned auto coverage and coverage for towing a trailer for business use—that are not available with personal auto policies.

• Do you need to list any employees as drivers? You can do this with a commercial auto insurance policy.

• Do you use your vehicle for business purposes? If you use your vehicle for things like pizza or newspaper delivery, catering, door-to-door consulting service, landscaping or snowplowing service, logging business, day care/church retreat van service and/or farm-to-market delivery, you might need a commercial auto policy.

TXINSURANCEPRO.COM  is an independent insurance agency – trained, licensed insurance professionals who offer personal service and advice. We can help match you with the type of policy that best suits your needs and those of your company.

To learn more about all an independent agency offers, visit WWW.TXINSURANCEPRO.COM  or give us a call us at 214-717-4326.

Written by dberry · Filed Under Auto, Business 

Business Insurance Services

December 10, 2009

  • 154733Commercial Auto Insurance (Business Vehicle Insurance)
  • Key Person Life Insurance
  • Professional Liability
  • General Liability
  • Property Insurance _ for rental homes and businesses

Written by dberry · Filed Under Business 

Personal Insurance Services

December 10, 2009

  • 36051586Auto
  • Home (Homeowners & Renters)
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  • Jewelr

Written by dberry · Filed Under Health 

Do I need a commercial auto insurance policy?

December 10, 2009

As a businessowner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel — liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the “principal insured” rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.

Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you many details about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.

While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. Ask your insurance agent to explain all the differences and options.

If you have a personal umbrella liability policy, there’s generally an exclusion for business-related liability. Make sure you have sufficient auto liability coverage.

Written by dberry · Filed Under Business 

Automotive Insurance

December 3, 2009


2216730Insure your personal and commercial vehicles against damage with our affordable auto insurance policies. Whether it’s a heavy truck or a small compact car, you can insure your vehicle for full coverage, liability, and any other coverage that suits your needs.
Home Insurance

Protect your most important financial investment with affordable homeowners’ insurance from our company. We Offer new home policies, renters’ insurance, and other policies that primarily come with yearly or monthly options.

  • Business Insurance
  • Fleet Auto Insurance
  • Dealers’ Risk Insurance
  • Business Owner Insurance
  • Commercial Auto Insurance
  • General Liability Insurance

Visit our agency or call us at

(888) 575-9224 to speak with our knowledgeable, friendly, and experienced agents about our affordable auto and home insurance carriers.

Written by dberry · Filed Under Auto 

How to Save on Commercial Auto Insurance in the Off-Season

December 3, 2009

Ever mowed a lawn in January? Or plowed a snowy driveway on a hot July day? If you own and operate a seasonal business, chances are you aren’t working in the off-season, so the insurance you carry should be different than what you carry in-season.
Commercial Vehicle

Leading commercial auto insurers like Progressive offer seasonal insurance for businesses like landscapers, snowplow drivers, ice cream truck owners, and more. These coverages allow you to customize your commercial auto insurance based on when your business is running on all cylinders — and when it’s not.

Progressive offers these tips for getting the most out of your policy in the off-season:

  • If your vehicle will be parked during the off-season, you may think you should cancel that vehicle’s insurance during that time. But if you’d like to protect your vehicle and still save a little money, just switch your insurance to a Comprehensive-only policy. This will give you basic protection against incidents like vandalism, theft, falling tree branches and hail.
  • A Comprehensive-only policy also gives you the bonus of having continuous insurance coverage. If you drop your insurance completely, you may pay significantly more to get a new policy when in-season rolls around because most insurance companies want to see proof of continuous coverage.
  • If you plan to drive your work truck or other vehicles for personal use during the off-season, let your insurance carrier know. They can adjust your policy to reflect personal use, which can be less expensive while still providing coverage.

A local independent agent can help you determine which coverages are right for you and your business.

Written by dberry · Filed Under Auto