As you know well, the trucking business has many moving parts, and no matter how careful you are, the unexpected can disrupt your day-to-day operations. Your Texas trucking company needs to have the right insurance policy to safeguard it from the issues that can come up in the business.
When you have a trucking company like yours, you want to safeguard it to the best of your ability. While you cannot prevent issues from arising, you can be ready for whatever comes when you have a Texas insurance policy that arms you with excellent protection.
Coverage to Help You Safeguard Your Trucking Business
In the trucking business, you are exposed to significant liability, so having ample protection for commercial auto liability is important. You don’t want to have less than the right coverage when it comes to safeguarding your business, and you can find yourself dealing with serious liability issues if you do not have the right commercial auto liability coverage.
Another invaluable part of Texas trucking insurance is general liability insurance. This covers many areas, such as property damage, bodily injury, and persona injury issues. The fact is, while you hope to never have to deal with such scenarios, you must have the coverage that can help you through them should they arise. Legal repercussions can be extensive, so having the means to handle any legal issues is important – and the right general liability insurance can help you with that.
The right workers’ compensation coverage is something that your trucking company needs to have in order to take good care of your employees. While you hope that your employees are never injured, things can happen, and it is unwise to be unprepared for accidents and mishaps of that nature. There is every reason to make sure that your employees are protected by excellent workers’ compensation coverage, and they will appreciate that you are looking out for their needs as well as the company’s.
Commercial auto physical damage can cover loss of fuel, loss of equipment, and even towing expenses. Such expenses can be very draining when the business has to deal with it on its own, so this is an invaluable facet of a good Texas trucking insurance policy. Should such issues arise (as they will from time to time, no matter how careful you and your employees are), you can have peace of mind knowing that you have the right coverage.
You may also want additional coverage for your trucking business, such as rental reimbursement. If you rent out one of your trucks and something happens to the truck to lower its value, you want to ensure that you will not have to deal with that expense alone. You cannot control what others do, so why would you risk not having coverage for rental reimbursement? There is every reason to safeguard your trucks well, and you deserve the best.
Depending on your situation, you may want to get Texas commercial umbrella insurance as well – if an unusually large claim comes your way and it exceeds your regular policy, your commercial umbrella policy can help take care of the extra cost. You want to make sure that there is an ample layer of protection so that the business’ finances aren’t drained in a single mishap, and good commercial umbrella insurance can help give you that protection.
Finding the Right Texas Insurance Protection For Your Needs
Talk with your Patterson insurance agent about the best trucking insurance fit for your specific situation. Your particular business isn’t going to be like anyone else’s in all of Texas, so making sure that your unique needs are met is important. After all, you have put so much time and resources into making your trucking business the best it can be, and you deserve to have the insurance coverage that can help keep your trucking company at its best.
You can call our Carthage team at (903) 693-3831 or our Seven Points team at (903) 432-2436; contact us today and we can help you get the Texas trucking insurance you need in order to help your business thrive. Should something come up down the road, you will be glad that you took the time to insure your trucking business with the policy that best fits its needs.