| Business vehicle insurance in Texas differs from | | | | with your carrier directly, you might want to consider |
| personal vehicle insurance in a number of ways. | | | | contacting your agency or an agency such as George |
| Factors that do not normally impact the coverage of | | | | White Insurance Agency, Inc. to assist you in |
| your personal vehicle suddenly come into play when a | | | | determining the best process to apply in obtaining |
| car, truck, trailer, or van is used for commercial | | | | accurate, up-to-date information on your employee |
| purposes. Texas Auto Home Insurance provides free | | | | driving records. Driver Health May Affect Texas |
| information and free quotes on commercial vehicle | | | | Business Vehicle Insurance Commercial drivers |
| insurance policies, procedures, requirements, and | | | | licenses can often be restricted by certain factors |
| ratings. A few points to consider follow. More detailed | | | | that do not affect personal licenses. Medical problems |
| information is available by emailing our office or calling | | | | such as high blood pressure or congenital heart |
| our toll free number. Title the Business Vehicle in | | | | problems can create restrictions on a commercial |
| Your Company Name Make certain that your both | | | | license or lead to its revocation. This can even |
| your vehicle title and your business vehicle insurance | | | | happen to an employee with a perfect driving record. |
| is under your company name, not your personal | | | | Texas Auto Home Insurance can help you with |
| name. Even if you are the owner of the business, | | | | periodic reviews of your drivers' motor vehicle |
| using your personal name on the title of your | | | | records to keep you posted on any adjustments you |
| automobile, truck, trailer, or van can result in | | | | may need to make on their behalf, or any changes |
| complications to the claims process. It is not unheard | | | | to your policy that might be required. Garage |
| of for a carrier to make such a discrepancy a | | | | Location Matters Please be aware that insurance |
| question of coverage. Texas business vehicle | | | | carriers want to know where your business vehicles |
| insurance is much more extensive than personal | | | | are garaged. When itemizing your vehicles, be certain |
| coverage, but if the vehicle is titled to an individual | | | | to declare which vehicles are driven home and |
| and not to a company the insurance carrier may not | | | | garaged at the employee's address. Vehicles are |
| recognize the vehicle as commercial in nature. This | | | | rated in the territory in which they are garaged. |
| could result in a claim being delayed or even denied in | | | | Safety Programs Can Reduce Premium Costs Safety |
| certain instances. Texas Auto Home Insurance can | | | | programs will save you money on your commercial |
| help Texas business owners avoid such pitfalls with a | | | | insurance policy premium by way of discounts. |
| detailed, itemized, reliable commercial vehicle policy | | | | Well-constructed safety programs mean fewer |
| that clearly spells out points of coverage and policy | | | | claims. You can create a written safety program that |
| limits in advance. Driver Status is Important Have you | | | | requires all drivers to attend at least once every 6 |
| listed all of your employees on your Texas business | | | | months. This assures that new employees will be able |
| vehicle insurance policy, or just the main drivers? It is | | | | to take the program without waiting a full year. |
| not necessary to add each and every employee of | | | | Routine Vehicle Inspection is a Must. Require drivers |
| the business to your insurance policy, although you | | | | to complete a checklist detailing the condition of the |
| should anticipate in advance which employees might | | | | vehicle at least once a month or every 2,000 miles. |
| be required on occasions to use a company vehicle | | | | This keeps the vehicle road safe and minimizes |
| for a special purpose. Periodic reviews should be | | | | maintenance expense. |
| conducted to make certain that your insurance carrier | | | | Texas Auto Home Insurance provides business |
| has accounted for all new drivers. You should also | | | | vehicle insurance in Fort Worth, Texas; Austin, |
| make certain that all present drivers have acceptable | | | | Texas; San Antonio, Texas; Dallas, and Houston, |
| driving records. If you do not have time to check | | | | Texas and all other Texas cities and towns. |