As an entrepreneur starting a new business in Lufkin, Texas, one of the things you need to consider is buying insurance. A commercial general liability policy will help protect you against claims made by others that stem from the operation of your business. Such policies cover bodily injury if someone is hurt while in your store and they cover loss to personal property.

Exactly what is covered under a commercial general liability insurance policy depends on your individual policy. You may have further business insurance needs that are unique to your business. An independent agent that sells auto or home insurance can not sell commercial general liability insurance unless properly licensed by the state of Texas.

If you want to buy commercial insurance for your startup business, you can get coverage from most of the nationally known insurance companies as well as some excellent regional insurers. Locally, here in Angelina County, we serve Lufkin and the Eastern Texas market. Honesty and integrity is ingrained in every independent agent at Integra and we all do our absolute best to get you the most affordable commercial general insurance policy.

Our independent agency represents companies like Zurich and The Hartford who are highly rated and provide commercial general liability insurance. These companies, like all insurance companies, price their general liability policies based on the amount of coverage, type of business and amount of risk.

As a new business, you probably have a tight budget and need to watch every dollar you spend. We understand that commercial general liability insurance may not be the most urgent thing on your mind. However, it is something you should consider. Give us a call and talk to an independent agent. They can explain all about the coverage available for your new enterprise and find you an affordable policy.

There are a lot of people who own a business that has a company vehicle that they use to provide services to other people. The problem comes when they try and insure the vehicle under the personal insurance and they find out that they must have a commercial auto policy. Here are a few things to know about commercial insurance and how it may impact your small business.

Commercial Car Insurance and Your Company

· If you own a fleet of trucks, then there is a chance you may face a truck suit involving a liability claim. A commercial auto policy will cover the claims made.

· A commercial auto policy will cover damages to any of your vehicles. Any time you add a car you will need to add that car or truck to the policy.

· Your policy may also cover the drivers of the vehicle. Take the time and have them added to the policy in order for them to have coverage.

· If your services include selling food, you may have coverage for merchandise. Always check with your agent to make sure they are aware of what you are doing with the car.

If you live in the Lufkin, Texas area and have any questions about a commercial auto policy for your small business, then you need to contact your independent agent today. We can help you find the right policy that meets your needs as a small business owner with a fleet. It’s important that you give us a call so that we can give you specific details for your circumstances. As your agent we can answer all of your questions and help you find a policy that is the right price.

You hear stories about people who get hit by a city bus and wind up collecting hundreds of thousands of dollars from the city. There are some not-so-honest people who file what amounts to nuisance claims if a bus they are riding on has a minor accident. Charter bus company’s and passenger buses operated by the city of Lufkin, Texas, must have an adequate amount of insurance so they are protected against all types of claims.

The amount you would have to pay in annual premiums if you were operating a fleet of 24passenger commercial buses in Lufkin, or any other part of Texas depends upon many factors just as it does when you buy a personal auto policy. The major difference is that there is potential for much higher liability if you are transporting two dozen people instead of just three or four.

A bus can also do serious damage to any other vehicles it may come into contact with as the result of an accident. Operators and owners of commercial passenger buses can face millions of dollars in claims and lawsuits. A policy that has at least $5,000,000 of liability coverage and maybe an umbrella policy that kicks in if claims exceed that maximum, is in order for both a privately owned or city bus that is used to transport passengers on a regular basis.

Location and the type of service have a lot to do with the cost of insurance. In a crowded place like Dallas, there is a greater risk of getting into an accident. You can still get into an accident in Lufkin, but the chances are somewhat less. It is impossible to give you an actual figure for the cost to insure a bus, but an estimate of at least $10,000 annually would be toward the lower range.

It is quite clear that a bus accident can lead to a tremendous amount of liability for both personal injury and property damage. It also can cost a small fortune to repair a bus that cost a quarter of a million dollars to buy. As your independent agent, we handle commercial auto insurance for buses, trucks and other vehicles used in the course of your business. If you would like to find out what rates we can get you, give us a call and an independent agent will get you a personal quote for your bus.