Texas Trucking Insurance In Stephenville: Finding the Coverage Your Business Needs

Your trucking business in Stephenville is not only an important part of your livelihood, it’s also a vital part of your area. Your employees and others involved with your business rely on your trucking company, which is one of the reasons why having the right insurance coverage for your Texas business is a necessity, not a luxury. 


Your Stephenville trucking business is too valuable to only have a so-so insurance policy to cover it. While you cannot mitigate all risk, you can be certain that you have ample insurance protection at the ready so that when issues do arise, you are prepared for them in advance. As a business owner, you want to set your trucking company up for long-term success, and effective insurance coverage is an irreplaceable part of protecting your business. 


The Insurance Protection Your Trucking Business Needs 

  • Commercial auto liability is an irreplaceable part of safeguarding your Stephenville trucking business. This coverage helps take care of damages stemming from an accident caused by one of your trucks. Commercial auto liability can also help you handle legal issues that can arise. Since such issues can be expensive, you don’t want to find yourself without the right protection for your business.

  • Another important aspect of insuring your Stephenville trucking business is general liability insurance. This covers issues ranging from property damage, bodily injury and personal injury situations. While you don’t want to think about such situations coming up, it is imperative that you are well prepared for any liability mishaps that could arise down the road. 

  • The right commercial auto physical damage coverage can be a significant benefit as well. This can cover issues dealing with loss of fuel and loss of equipment, and that is no small thing. Commercial auto physical damage coverage can also cover towing expenses, and with a trucking company, that is a valuable asset for you as a business owner. 

  • Your employees are invaluable, which is why ample workers’ compensation coverage is something you cannot do without. Hopefully your employees don’t have to deal with any physical injuries, but if something does happen, good Texas workers’ compensation coverage can be a huge benefit. You and your employees should not have to be caught unawares – and having the right protection in place benefits everyone involved.


Every business, business owner, and situation is unique – and your insurance coverage should reflect your needs, not the needs of the business down the street or the next town over. Keep in mind that you can add on coverage to fit your specific trucking business:


  • Rental reimbursement coverage can be a valuable addition to your insurance protection. Deadlines have to be met regardless of the mishaps that come your business’ way, and if something happens to one of your trucks, you want to be able to rent another one so that you don’t miss loads while your damaged truck is being repaired or replaced. Don’t allow your trucking business to be caught unawares by an unexpected issue when you can have rental reimbursement coverage to help make things easier. . 

  • Adding commercial umbrella insurance coverage can be a tremendous benefit as well. If a claim that exceeds your regular policy comes about, Texas commercial umbrella insurance can help you take care of that gap between your regular policy and the claim. While hopefully you never have to deal with major issues, costly claims can arise, and having commercial umbrella insurance coverage can be a game-changer for you and your Stephenville trucking business. 


Finding the Right Coverage For Your Stephenville Trucking Business


Make sure that you talk with your Patterson insurance agent about your business’ needs. Finding the right coverage for your situation can feel like a daunting task on your own. However, when you have a knowledgeable Texas insurance agent to help you navigate the available insurance options for your trucking business, you don’t have to feel overwhelmed by the choices. 


Here at Patterson Insurance, we know that your business is more than a way to make a living – it is a valued facet of your life and its success is an accomplishment you should be proud of. Call our Carthage team at (903) 693-3831 or our Seven Points team at (903) 432-2436; you can contact us today so that we can help you find the coverage that best suits your Stephenville trucking business. 


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