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As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.
Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you many details about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.
While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. Ask your insurance agent to explain all the differences and options.
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Finding the right insurance can be confusing and complicated. Even car insurance. Every one is different.
Whether you're shopping insurance for a new driver, a high risk driver, your entire family, your business, your beloved 20 year old Honda, or your new luxury car, we can quote plans from multiple carriers to create a custom insurance package specific to you.
We sell pretty much every kind of insurance except for health insurance. That means we can help shop for and manage your car, home, life, and business insurance. That way, when life happens and you need to file a claim in any of these arenas, you can always call your one trusted FACT insurance guy or gal for advice and assistance.
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Our insurance company partners have policies designed to cover residents and businesses throughout the state of Texas.
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