Commercial Auto Insurance in Houston, TX
If your business relies on vehicles, you likely need a commercial auto insurance policy. Not only is it required in Texas, but it can also cover your fleet from damages or liabilities that can disrupt operations and put a strain on your finances. AMCO Gulf LLC is here to help business owners like you find a suitable policy for your needs.
What Does it Cover?
Commercial auto insurance may cover sedans, vans and trucks from liability claims and loss events that can affect your finances and operations. Policy specifics may vary among insurers, but a policy typically provides the following coverages:
- Comprehensive coverage may cover damages caused by certain weather events, fire, theft or vandalism.
- Liability coverage may cover necessary costs if you or an employee is held liable for third-party bodily injuries or destruction of property.
- Collision coverage may cover your vehicle’s repairs after an accident, regardless of fault.
- Medical payments (MedPay) coverage may cover your and your employees’ medical bills after an accident.
Who Needs it?
In Texas, you must secure a commercial auto insurance policy if you’re using vehicles for business purposes. Without it, you might be penalized. State law mandates that you carry minimum amounts of bodily injury, death and property damage liability.
How Much Does it Cost?
Insurers may consider the following factors in calculating your commercial auto insurance premiums:
- Location
- Your employees’ driving records
- Claims history
- Number, value and type of vehicles owned
- Policy specifics (e.g., coverage amount, deductible, limits)
Where and How to Get a Policy
Get in touch with AMCO Gulf LLC to learn more about available coverage offerings or request a quote.