Transportation Insurance in Houston, TX

Using cars, buses, vans or other vehicles to ferry passengers and clients can be a lucrative business venture, but it may also involve significant risks and exposures. Global Insurance Agency can help Texas transportation businesses identify coverage options that fit their work activities.

Why Personal Auto Policies Fall Short

Regardless of whether you operate a fleet or only a few taxis or vans, commercial auto insurance is essential. Personal auto policies typically exclude coverage for commercial use, and Texas law requires certain levels of liability coverage for any business that uses vehicles. Commercial auto coverage is built to address these needs.

What Transportation Insurance Covers

Transportation insurance typically refers to a collection of policies needed by members of the industry, with a customized commercial auto insurance policy often forming its core. Coverage can be designed for businesses that move goods or transport people and may include:

• Liability coverage may apply to bodily injury or property damage you or your drivers cause to others while working.
• Physical damage coverage may apply to your vehicles for collision and noncollision losses.
• Hired and non-owned auto coverage may extend to vehicles you use but don’t own, such as rentals.

In addition to commercial auto insurance, transportation companies may need additional policies that provide the following coverage:

• Cargo coverage may apply to goods in transit that are lost, stolen or damaged.
• General liability coverage may apply to third-party losses you cause that do not occur on the road.
• Workers’ compensation coverage can assist with medical costs, wage replacement and other losses if a driver or other employee is injured or becomes ill on the job.

Where Coverage Can Fall Short

Standard policies often exclude the following:

• Personal use of a commercial vehicle: Coverage may not apply if a business vehicle is used for personal errands or trips.
• Improperly loaded cargo: Damage caused by inadequate securing or loading can be excluded.
• Incidents outside your coverage territory: Claims from accidents beyond your designated service area may be denied.
• Deliberate or intentional damage: Loss caused on purpose is typically not covered.

Secure a Policy Today

Contact Global Insurance Agency to learn more about transportation insurance and request a no-obligation quote.