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Phone: (713) 681-2500

Fax: (713) 684-1600

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STORM SEASON
Important Note:

June through November our agency may become prohibited from binding coverage should a “Tropical Disturbance” enter the Gulf of Mexico or Caribbean Sea.

In these cases we may be unable to bind new coverage quoted in open proposals until the storm leaves our area and our binding authority has been restored.

Please arrange your coverage protection early to avoid this type of delay. While we regret any inconvenience, the carriers impose these restrictions on all agencies.

Personal Auto Policy Voided Because of Business Driving

Entrepreneurs utilizing personal vehicles for business may want to consider extra insurance protection. Making deliveries and service calls with personal vehicles may limit insurance coverage. This can be true for accidents while working or while on personal business. A local small business owner learned this the hard way. On the way to visit a friend there was a collision resulting in significant damage to the vehicle. Although her personal policy would generally cover the damages the insurance company denied the claim. Personal auto insurance policies extend to protect many small business owners yet in some cases, vehicles employed for specific commercial purposes may be excluded from coverage.

Most small business owners are protected under personal auto insurance policies. In some cases though, the commercial purpose for the vehicle may limit or forfeit coverage. For cars and trucks performing deliveries, equipped with commercial license plates, carrying passengers and emergency vehicles extra insurance coverage is necessary. In this case, the driver owned a small business selling heaters and a small part of that included deliveries.

The owner recently switched insurance carriers online to save money. Checking the box during the quotation process, they reported 30% of the vehicle mileage related to business purposes. Reviewing the insurance claim and the business services after the collision, the claim and repayment were denied. Shocked, the business owner learned the limits of personal auto insurance protection too late. This leaves the owner with a damaged personal and business vehicle, without compensation from the auto insurer.

Business owners mixing personal and business trips with the same vehicle may want to consider extra insurance protection. For more information on personal and commercial auto insurance policies contact an agent. We’re always keeping up with insurance-related topics that may impact health or wallet. For any questions about insurance, call anytime for answers.