Commercial Auto Insurance
As more people drive their cars on the roadways of the nation, exposure continues to increase. If a business owner or an employee of the business is sued as a result of an accident while driving a company vehicle, the liability coverage provided by the commercial automobile policy is there to help protect the company’s assets.
The vehicles covered under Commercial Auto Insurance are those that are used in the course of performing work for a business or organization, such as delivery vans and trucks, couriers, snowplows, street sweepers, trash collectors, utility vehicles, taxi cabs, site-contractors, ambulances, squad cars, fire trucks, and the list goes on.
Home + Vehicles
Life + Income
Business
Toys
Any business owner or the business employees that own, lease, or rent and drive vehicles designated under the business present a liability exposure when operating company vehicles.
The coverage tends to carry higher limits and covers any automobile used in the course of business, existing or newly acquired, and taking into account such conditions as vehicle weight and load capacity. In addition, vehicles may be specifically equipped with features to perform certain tasks, such as:
- Snowplowing
- Catering
- Bathrooms
- Racing equipment
- Hydraulic Lifts
- Altered Suspension
- Ladder Racks
- Permanent Toolboxes
Most states require third party liability coverage, including bodily injury and property damage. Policies may be extended to include:
- Physical damage such as comprehensive and collision coverage
- Direct compensation for property damage
- Uninsured or underinsured motorist coverage
- Family protection
- Accident benefit coverage
- Hired or non-owned vehicle coverage
Fleet insurance is an option for businesses with 25 or more vehicles. This approach rates the number of vehicles versus rating each automobile individually.
GAP insurance is available to offset the difference between the actual value of a vehicle and the lease agreement. It was established to correct being “underwater on the lease” in the event of a loss.
One of the major benefits of Commercial Auto Insurance is the concentration on safety practices in order to keep drivers safe, cut down on the national statistics, and keep premiums reasonable. Further, establishing a traffic safety program saves lives.
Other Policies
BIG Revelations from
other customers
Jovani was excellent at helping find insurance at an acceptable price
lilqik
Very prompt response to my request for insurance for homeowners and windstorm coverage as well as car insurance. I highly recommend this team!
Kate Linkins
The staff at Independent Ins Counselors are very knowledgeable and nice. They found us the best quote/policy for our family. I would definitely recommend them to others !
Rainbeaux Sneaux
Very nice and helpful staff. Ms. Betty has the most understanding and soothing voice of a loving grandma and thorough explains all you need to know.
Stacey Boyd
Hello yes, I would like to say that jovani who helped me there with my policy and helping me and my husband get a great quote was awesome. He saved us so much money that we are thankful.Were so glad that we switched.Thank you jovani
Elisha Robinson
Have always been helpful and easy to get in contact with.
J Smith
Very nice staff and very quick to help with any needs I might have.
Emily Guzman
They have always been responsive and helpful and gotten me good prices.
David Smoot
IIC has been our homeowner insurance provider for 40+ years. Mike and family have helped us through flood and wind all that time and I’m grateful for their support.
Sandy Horine
Everyone of you keep me taken care of and i appreciate all you do for me
lindia ward
Great insurance company always friendly and helpful
Jeffrey Lewis
I have done business with Independent insurance for 30 years and have been served well. They are dependable and will help you in any way they can.
Pam Waters
Great experience. Amber found me a more comprehensive policy for less money. Followed up with me in a timely manner.
Gerald Enochs
Mike Lansford and the friendly and competent staff at Independent Insurance Counselors in Alvin have been serving our family for over 20 years. Having used them for our homeowners, automobile and health insurance needs, they have helped us deal with issues small (fender benders) and large (Hurricane Ike). Mike has offered us good advice on repeated occasions. He is trustworthy, competent, and customer oriented. Highly recommended!
Mark Mayberry
They have been our insurance go to for over 20 years!!!!! Everyone is so helpful!!
Tom Selleck
We have always been treated as valued customers and they have always found us great rates. They are very helpful in finding out the best solutions to meet your needs.
Ben Harris
I have been doing business with Independent Insurance Counselors for many years. I have my home and car insurance through them. They are very efficient and thorough and I would not think of having any other company handle my insurance affairs. They have always done a great job for me.
Debra Fischer
I have been a happy customer of Independent Insurance Counselors for years now and the staff must certainly be hand picked for knowledge, courtesy, friendliness and among many other fine qualities, their eagerness to stay on top of making sure their customers always have the lowest rates. I have always been that person who feels a bit of resentment paying for a service you never use or hope you never need but with Independent I always feel like my money’s going a long way.
Sherma T
I've been with Independent Insurance for many, many years and I'd never want to go with any other company. They're unfailingly courteous, professional and friendly. Their customer service is fantastic!
Michelle Smith
saved me a lot of money and great service
nancy ferverda
Many markets to choose from. The staff is knowledgeable and looks out for your best interests. Quick response time. Reviews my policy at renewal time and informs me of other options that will save me money!
Amber Stavinoha
Went to Independent Ins. Counselors after being with my Ins.co. for 40 yrs.. they changed hands and my premiums went off the charts. They would not work with me. The counselor Rhonna at Independence worked so hard and saved me somewhere around $1,000 a year between my home owners and car policies. Thank you guys.
Gladys Dekenipp
Very friendly, knowledgeable and helpful. They explained the different coverages to us and then shopped the numerous companies they represent to find us the best deal to meet our needs. We are very satisfied with the service Independent Insurance Counselors provides. They handle our home, auto and life insurance.
Karen Duston
Ownership of Agency has been same family and staff for many years with complete regard for their insured clients. One of the last complete, full service, independent insurance agencies still in our area.
J. R. Dick Tyson
Bundled all my insurance needs. Excellent service and support with fair pricing.
mike clawson
ALWAY BEEN THERE FOR US.
TERYXNRA
When I call and talk to Becky I get great service. I've been talking with her for years. Dedicated %1000.
A Ernst
Got us the coverage we needed.
David Boren
I was really impressed with how detailed Mike was going over each option individually. When evaluating car insurance in the past, there was no good way to know how different choices affect the premium you pay, but Mike went through methodically and made sure I had the best coverage for the money. I got better coverage for the things I needed (and removed stuff I didn't need) and saved a lot of money.
Bobby Guy
I had an excellent experience with Independent Insurance Counselors. I am new to Texas and needed to revise my auto insurance to comply with Texas. Rhonna Benbrook was very friendly, professional, and helpful in getting everything taken care of. Thank you Rhonna & Independent Insurance Counselors.
Frances Huff
Mike Lansford recently helped us with Medicare Part B and D supplemental insurances. In fact, all of our insurance is through Independent Insurance Counselors. Mike and his staff have always been of great help, and, we have been with them for many years. You cannot go wrong in getting them to assist you with any of your insurance needs.
patti369
Hometown business. Friendly staff
Patrick Butler
Friendly staff
Mitchell Craven
Fantastic Service, Fantastic Staff! Thank you Independent Insurance Counselors for taking such great care of The Memory Quilt Company!
Tiffany Verot
Great Customer Service!! Highly recommend Mike and his staff. Amber found me a better policy for less money. Win Win!!
Dana Akins
I have my insurance , with independent insurance agency for many years, greatservices , friendly atmosphere, I recommend!
Mary Baker
Mike and his staff are very welcoming and knowledgeable of the insurance business. We have worked with Bette for many years, personal and business insurance, and she always keeps up with our policies and makes sure our coverage is renewed on time and always send quotes for better pricing each new year. They have a great team and I highly recommend Independent Insurance Counselors.
Lisa E
If I could give 10 stars I would. These are the best people I have ever done business with. They have been taking care of my insurance needs for about 20 years and after Harvy they cane through 110 percent.
James Bailey
I moved from Houston, TX to Alvin, TX. I bought a new modular home and had it set within the city limit. The insurance agent, whom I used for several years before, didn't know what to do to get insurance for a modular home. I contacted Insurance Counselors for help. They knew what to do right from the beginning. In the end I got home owner insurance and flood insurance through Independent Counselors. Since then, I have visited the office on several occasions for other help. Always, everyone has been helpful and courteous. Highly recommended; a 5-Star service.
Prasert Sananikone
Good job ! Good people ! Good man !
Alvin Pool
I highly recommend this business to anyone looking for a committed staff that will work to find you the coverage you need at a price that satisfies your budget. The staff is friendly, efficient, and professional. You can rest assured that you'll leave there knowing your coverage is sufficient and the staff is always ready to answer any questions that you may have at a later date. Go talk to them.
Jimmy Ray
Mike and his Team are great. They will find you the best deal on insurance and make sure you have the best plan in place in case you ever need it. The staff is friendly and Mike always has an open door policy for you to come in and ask questions! They will be my Agent for life!
Kevin Duke
Mariana was so helpful to lead us through the confusion of finding the best insurance for us to protect our home. Not only did she find us the best benefits, but she also led us to the best rates available for us. She cheerfully answered our many questions and explained what we didn't understand. We are so grateful we walked into the office that day and will certainly return when the need arises. Thank you, Mariana and Independent Insurance Counselors for your excellent service.
A Google User
Knowledgeable. And very easy to work with. No complaints from me.
Robert Fleming
Mike looked at our insurance costs and saved us a substantial amount of money by changing both our home and auto insurance.I was impressed with his knowledge and have been using his suggestions for some time now.I have recommended his services to several friends and will continue to do so.
Jim Fussell
They have always been good to me and made things so easy for me looking for other companies that are cheaper and comparing prices for me so I don't have to. Gray company that I can always depend on
Virginia King
Mike and his team are wonderful. Anytime I need help or have a question they are there for me. I highly recommend them.
Clay Smith
Picking this insurance company was the best & easiest discission we made as business owners.
Angel Tramel
Betty is always so helpful
Sherron Sears
I was in panic mode on Windstorm it was going up and they wanted me to jump thru hoops to renew. I mentioned it to a friend who said call my guy he always treats me great. So I called and spoke to Amber S. explained my problem , who my mortgage was thru and my short time line. After I dropped my old policy off and a few questions she said she would do her best. Well her best was outstanding. I not only saved money with just about the same coverage better in fact. She delivered excellent customer service helping me with a difficult mortgage company and getting it done quick. Give them a call
Shari Coleman
Best use of time, money and resources with a smile. Best stop I've made so far
Therese Trahan
This competent, caring and extremely professional staff always leave me feeling as though I'm the most important customer they have and the outstanding customer service guarantees that I will always trust them with my insurance needs!
Terry Vaughn
Always knowledgeable of my families insurance needs ,best coverage for less money than the "big" guys.
Gary Strohbach
Great team of people who really care about your needs. I highly recommend them.
Kevin Christ
The staff at Independent Insurance Counselors make it quick, easy and painless for me to afford auto insurance. I highly recommend Mike and his staff of dedicated workers.
Logan Griffith
Best insurance company ever! Staff is always helpful and friendly
Suzanne Arevalo
We have used Independent Ins Counselors for our auto and motorcycle insurance for at least 12 years with extreme satisfaction.
Noel Hankamer
Very welcoming, and great customer service! I feel like they’re there to make my experience with insurance a lot easier!
Jacoob56
Dealing with IIC has been a pleasure every time. Good pricing too.
Lee Gerow
Keep up the great customer service. AAA+
Robert in alvin
Mike and his staff are professional and were able to save our business over 40% compared to what we had been paying for years. I highly recommend Independent Insurance Counselors for commercial insurance, auto insurance, workers compensation...and any other insurance needs you may have!
Nikki Pope
Mike Lansford and his friendly staff are all experienced and knowledgable. They handled my company's business insurance. His team worked hard to find me the best coverage for my specific needs while not trying to upscale to things that i didn't need like most carriers do. I appreciated all their all their efforts. They were so honest that I changed over my auto and home policy as well!I highly recommend them for auto, homeowners & commercial insurance.
inmode clicks
Mike, Donna, and the rest of the team have served our family for a very long time and they've always taken great care of us. Whether it's been making a payment in the office or filing a claim, they've always been very helpful.
J.J. Ortiz
I have know Mike and his staff for many years and I have done business with them almost as long. Mike takes his time to assure that we are getting the best deal that he can for us. The staff always strives to give us the very best service and it is always a pleasure to do business with them. They serve all of our insurance needs and I anticipate will do so for many years to come.
michael dillon
It has been said that to begin a new business you will need three (3) critical advisors. These are:• A Flexible Banker• An Honest Accountant• An Insurance AgentThe MOST important (in my humble opinion) is the Insurance connection– especially if your company requires Bonding and Workman’s Comp.I meet Michael J. Lansford at a networking event when I returned to Houston in 2005. After establishing a personal relationship, I subsequently moved my Homeowners and Automobile insurance policies to his organization. It was Michael (hereinafter to be referred as “HOLLYWOOD”) whom I trusted to provide guidance when starting a new business venture in June 2011. Hollywood was an invaluable mentor and excellent tutor for my newly formed construction company – leading me thru the various Start-Up obstacles and limited cash flow issues. As the company matured, Hollywood and his experienced and stable staff have been instrumental in the growth process. Furthermore; as our company continues to expand, I will trust that Independent Insurance Counselors and Hollywood will remain an integral part of our organization.The professionalism and personal connection that Hollywood and his staff display are impressive and extremely important to me.If you have an opportunity to meet with Mike for a consult; make sure to ask him how he received the nickname “HOLLYWOOD”.....Randy Schultz’74
Randy Schultz
I have known Mike Lansford for several years and am impressed with his service. His knowledge of insurance is unsurpassed, he is always current on new changes and he passes the information on to his clients. He has a history of saving money for his clients and I have recommended him to several of my friends. I trust Independent Insurance Counselors completely to help me and my referrals find the best insurance at the best prices.
Linda Drummond
