As an insurance agency, we believe finding a good deal on commercial auto insurance is more than just getting the lowest rates.  It’s also about finding the best coverage to suit your business and protect things you work hard for.

As an informed consumer, you will enjoy peace of mind knowing that you are making better, more informed decisions so that you and your business is well protected.  Here are a few expert tips courtesy of TXINSURANCEPRO.COM  to help you find the right coverage, company, and price:

1.    Check your company’s claims reputation.  Face it, if you use your vehicle business, then time is money.  Make sure you find a company that has experience handling commercial vehicle claims.

2.     Look for discounts Before you start your policy, ask about additional discounts. This information could help you save a lot of money.  If you’ve carried increased coverage in the past, you may qualify for additional discounts or if your drivers have good driving records.

3.    Keep your insurance current. Providing prior insurance is extremely important.  Providing a copy of your current and prior insurance policy can save you tons of money.  If you allow your insurance to lapse, you will most certainly pay more for your next policy.

4.    Hire Drivers with Good Driving Records.  It is always a good practice to hire safe drivers so that you can keep your rates low.

5.    Keep your Equipment Updated:  By updating your specialty equipment on your policy.  Always keep your insurance agent and company up to date regarding any equipment changes.  By doing this, you avoid surprises at the time of an insurance claim.

6.    Look for companies with online policy management features.  Again, time is money.  If you can manage your policy on the internet or your smartphone, you can save tons of time if you need to make changes or file a claim.

Have you ever mowed lawn in the winter?   Better yet, do you run a landscaping business in the winter? Do you use a snow plow in the summer?  You know the rest.   If you own a seasonal business like snow plowing or lawn maintenance, then you probably want to lower your business expenses  during the off-season.  By making a few small adjustments to your commercial auto insurance policy, you can save yourself hundreds during your off season.

Many commercial auto insurance companies have specialized policies, that allow business owners to adjust their coverage for season changes.  As a result of having the right coverages, your customized commercial auto insurance rate  reflects the amount of business you do.  During the off season, you can park some of  your coverage.  But if your business is running full speed , your policy runs at full speed to match.

Commercial auto insurance tips for your business during the off season include:

• If you only use your vehicle during the summer, you should consider temporarily removing the coverages you do not need.  Some insurance companies will allow you to drop all coverages except comprehensive coverage.  With comprehensive-only, you keep coverage things like fire theft and vandalism.  When you need to drive the vehicle again, you can contact your insurance company and restart the other needed coverages.

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.

Why the Hartford?

The Hartford Insurance company has been insuring individuals and businesses for over 200 years.  Their Business insurance expertise and experience make them and industry leader for all business sizes.  Regardless of whether you’re a manufacturing company or technology company, the Hartford has the capacity to write your business.

Business Insurance Expertise

Not only does the Hartford have the capacity and willingness to write your business insurance, they specialize in insuring today’s technology businesses.  They have over 20 years writing technology and life science businesses of all sizes.  As a result, the Hartford now has almost 100 underwriting, claims, and loss control employees dedicated solely to servicing technology businesses.

Along with their willingness to handle insurance technology businesses, their industry focused underwriters understand the complexities that technology businesses face through out their life cycles.  As a result, tech businesses large and small can look to the Hartford for their Technology E&O Insurance, General Liability, and more.

Business Insurance Coverage you can count on.

Regardless of whether your business is a sole proprietorship , venture backed startup, or a large publicly traded company, the Hartford offers a total coverage solution to a businesses growing needs.  Their policy provides many of the following benefits through their SPICE endorsement.  Their coverage solutions include:

• Business Owners Policy (BOP)
• Business Property Insurance
• Commercial General Liability
• Commercial Auto Insurance
• Workers’ Compensation
• Technology Professional Liability (E&O)
• Commercial (Business) Umbrella
• Marine Insurance
• Management Liability Insurance
• International Insurance Coverage

The Hartford’s dedication to service and support make them a good choice for your professional insurance needs.  With their experienced and knowledgeable underwriting, claims, and loss control departments; business professionals can rest knowing their business insurance is handled by a company with a strong reputation and financial backing to handle any issues that may arise.

Dallas Business Insurance Categories include: Electronics Manufacturing, Software Services & Computer Related Services, Telecommunications, Life Sciences including Pharmaceutical Preparations.  The Hartford insures innovation.

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.

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

• Auto
• Home (Homeowners & Renters)
• Life
• Health
• Annuities
• Motorcycle
• RV
• Boat (Personal Watercraft)
• Flood
• Umbrella
• Personal Articles Floater
• Jewelr

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.

Insure 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.

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.