You will need business auto insurance if your company owns a vehicle. Nearly every state requires commercial auto insurance coverage for automobiles owned by businesses, and Texas is one of these states. Only two states (Virginia and New Hampshire) do not mandate auto insurance purchases. Drivers are, however, still liable for any damage they cause. Even if unnecessary, business auto insurance is still a wise decision. You can pay hundreds of dollars in medical and other expenses if you don’t have them.
Insurance for commercial vehicles aids in paying for accident-related medical expenses and property damage. If you are sued, this coverage will pay your legal fees. Your business auto insurance policy might also cover automobile theft, vandalism, and other losses and damage.
To cover your company’s legal expenses, such as if one of your employees is involved in an accident. Liability insurance is normally included in commercial auto coverage. If you or your staff occasionally use personal vehicles for work-related purposes, you might consider purchasing hired and non-owned auto insurance.
Hired and Non-Owned Auto (HNOA) insurance offers liability protection for any cars your company utilizes but does not own. With any auto coverage, you could also be able to temporarily extend your auto liability policy to cover the usage of leased and non-owned vehicles for business purposes.
Reach out to Hignojos Insurance Agency to learn about the most suitable coverage for your business vehicles. We are here to serve and fulfil your security goals with suitable insurance plans.
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