Commercial Auto Policy

The following are just some of the many enhancements automatically included in our Commercial Auto Policies.

Temporary Substitute Auto Physical Damage Coverage - When your policy provides physical damage coverage for owned autos, we will provide like physical damage coverage on any temporary substitute auto.
Broad Form Named Insured - When you own 50% or more of a newly acquired or formed business, it is automatically covered up to 180 days or until the end of the policy term if there is no other applicable Business Auto coverage.
Physical Damage Additional Transportation Expense Coverage - After a theft of a covered private passenger auto, we will pay for temporary transportation expense up to $50 per day to a maximum of $1,500.
Extra Expense for Stolen Auto - We will pay for the expense of returning a stolen covered auto to you.
Airbag Coverage - We cover the cost to repair your airbag if it accidentally discharges due to mechanical breakdown.
Free Glass Repair - There is no deductible for glass repair.
Hired Auto Physical Damage Coverage - When hired auto liability is provided along with either comprehensive, specified cause of loss, or collision coverages, then these coverages are extended to any private passenger type or light truck you hire. We will pay the actual cash value or the cost to repair, minus the deductible, up to $35,000 on hired private passenger type or light truck.
Hired Auto Physical Damage Coverage / Loss of Use - We will pay the lessor's financial loss up to $750 per accident for an auto you hire.
Rental Reimbursement Coverage - We will pay rental expenses up to $25 dollars per day for 30 days because of a covered loss to a covered private passenger auto or light truck.
Audio, Visual, and Data Electronic Equipment Coverage - We will pay up to $1,000 because of a theft of permanently installed audio, visual, or electronic data equipment.
Unintentional Failure to Disclose Hazards - We will not deny coverage if you unintentionally fail to disclose any hazard existing at the inception of your policy.
Extended Cancellation Condition - Except for cancellations due to non payment of premium, we give 60 days notice versus the standard 30 days notice provided in most states.

Note: Coverage statements are general descriptions only. The full and exact contract is contained only in the policy. Product availability only in the state of Texas. Please email an agent if you have any questions.