| very important for Texas business owners to | | | | are covered on their policy where ever their car |
| understand car insurance from a commercial | | | | travels. This is not necessarily true. Most |
| perspective. Many small business owners and | | | | commercial autos are used in a specific manner |
| artisan contractors often assume that their | | | | during the course of business operations. Driving a |
| vehicle can be properly covered under their | | | | commercial vehicle for personal reasons, or taking |
| commercial insurance policy. This is rarely the | | | | it to a location(s) not pertaining to the nature of |
| case. Simply having a business car insurance policy | | | | the business and the vehicle’s intended |
| may not be enough. It is necessary as well for | | | | use, can result in liability losses of the automobile |
| the business insurance insurer to be thoroughly | | | | is involved in an accident. This is a tricky call to |
| informed as to the specifics of the risks the car | | | | make at times, and requires the assistance of a |
| will be exposed to, in order for the policy to both | | | | business car insurance agent who thoroughly |
| reflect the use of the vehicle and to cover it | | | | knows insurance laws and can weigh the |
| appropriately. TAHI makes it easy for the | | | | vehicle’s use against the coverages |
| business owner to describe clearly the usage of | | | | enumerated in the policy itself. If the policy needs |
| the vehicle. We have worked with contractors | | | | amending or replacing, TAHI can do so to make |
| from all industries over the past 25 years and are | | | | certain that gaps in coverage are eliminated and |
| familiar with almost every business model in | | | | liability is reduced as much as possible. |
| Texas. Getting a good, clear understanding of the | | | | Another common coverage question we are |
| way the vehicle is used and the industry it is used | | | | frequently asked is the question of “Who |
| in helps us take advantage of classification | | | | is covered on a business car insurance policy? Can |
| opportunities that give the owner the very best | | | | employees use their personal automobiles in my |
| business car insurance rates and coverage. | | | | business?” The answer to this is again a |
| It is never a good idea to use personal auto | | | | variable based upon the type of business, type of |
| insurance for a business car, truck, or van. Any | | | | license the driver holds, and the vehicle itself. It is |
| vehicle used in business should be registered in the | | | | not as cut and dry as the laws pertaining to |
| name of that LLC, corporation, or partnership. | | | | personal auto insurance, which allows any licensed |
| Registering the vehicle and insuring it under the | | | | driver not excluded by name to be insured under |
| business name allows the carrier to properly | | | | the policy. In order to determine driver eligibility, it |
| assess the exposure the business itself is subject | | | | will probably be necessary to include |
| to when the vehicle is used. Business car | | | | “Drive Other Car” and |
| insurance can then be written that will cover the | | | | “Employers’ |
| company and the automobile against these risks. | | | | Non-Ownership” coverages in the policy. |
| It is crucial to understand exposure and how it | | | | Call us today for free information on these |
| impacts policy coverage in general. | | | | options. |
| Many business car insurance holders assume they | | | | |