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

Secure the BEST

Commercial Auto Insurance

coverage now!

BIG Revelations from

other customers

Customer service was excellent,Jovan knew his products well.
mark dollinger
mark dollinger
Jovani was excellent at helping find insurance at an acceptable price
lilqik
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
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
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
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
Elisha Robinson
Have always been helpful and easy to get in contact with.
J Smith
J Smith
They have always been responsive and helpful and gotten me good prices.
David Smoot
David Smoot
Everyone of you keep me taken care of and i appreciate all you do for me
lindia ward
lindia ward
Great insurance company always friendly and helpful
Jeffrey Lewis
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
Pam Waters
Great experience. Amber found me a more comprehensive policy for less money. Followed up with me in a timely manner.
Gerald Enochs
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
Mark Mayberry
js_loader

(281) 331-3131

302 South Gordon St. | Alvin, TX. 77511