Everything You Need To Know About Commercial Insurance

Everything you need to know about Commercial Insurance from The Hartford

COMMERCIAL AUTO INSURANCE

Business Auto
Insurance Makes Your
Business a Priority

Your business deserves high priority protection, and that’s just what The Hartford’s commercial auto Insurance does. It provides coverage for you, your employees and the vehicles you own, lease, rent or borrow – on the road and off. More importantly, it can help prevent an accident from damaging your bottom line.

Whether you’re operating a single vehicle or a fleet, The Hartford offers you ways to help protect your company, manage risks and help control your costs.

Putting the Brakes on Damages

An automotive mishap can expose your business to complex high exposure, putting its assets at risk. Without the right commercial vehicle insurance coverage, you as the business owner may even find yourself personally responsible.

Meanwhile, the loss of cars, vans, trucks or specialty vehicles can hamper your ability to operate your business, threaten hard-won customers and hurt business relationships. Accidents can damage your reputation, and put in question your concern for employee and public safety.

So, don’t let a split-second bout of bad luck put a business that took years to build in jeopardy.

Extra Protection. No Additional Cost.

The Hartford commercial auto insurance offers extra protection your business may require at no additional cost, including:

Hired Auto Physical Damage
Hired or borrowed vehicles can be covered for up to $100,000 for physical damage – as long as these vehicles have liability coverage, and your vehicles carry physical damage coverage.

Lease or Loan Gap Coverage
When there’s a gap between the value of the vehicle and the amount owed to the lien holder, this coverage fills that gap.

Electronic Equipment Coverage
Now popular electronic devices like a GPS or DVD player are covered, up to $1,500 – as long as these devices are permanently installed.

Efficient Claim Service
If you have an accident, a team of people from one of our many claims service centers will swing into action. They’ll expedite your claim, carefully evaluate complex business exposure, and handle the details. Programs and services are available to mid-size and large businesses.

Programs and Services available to mid-size and large businesses:
 

FleetAhead 
This program uses telematics and real-time data to help fleet owners identify risk and prevent accidents. Participating companies can get a 15% discount on their premiums.

Loss Control 
We provide fleet owners in-depth analysis of your company’s driver safety records, and help you pinpoint root causes of accidents and formulate preventative strategies.

The Principles of 3D Driving
The Hartford’s loss control organization can help you instruct your drivers in the techniques of 3-D Driving: Drive Decisively. Drive Defensively. Drive Dependably.

COMMERCIAL FLOOD INSURANCE

If You Own
a Business, Flood
Insurance is Right for You

The Hartford
is a Smart Choice

You work hard to build your business and make it a success. After all, your business is more than a dream – it’s your legacy. So you protect it with business property, liability and other insurance coverages.

But what about protecting your business with flood insurance?

Flooding can occur anytime, anywhere. Even in the most unlikely places. And it’s caused by more than just heavy rainfall. Melting snow and hurricanes can cause flooding, too. New construction is also a contributing factor during heavy rainfall.

One of the smartest ways you can help protect your business is with flood insurance from The Hartford through the National Flood Insurance Program (NFIP). And it’s easy to get a quote. Simply contact a local agent who represents The Hartford. Or, call 1-800-296-7542 and talk with one of our highly trained flood insurance specialists. We’ll be happy to answer your questions and assist you in adding this valuable protection.

Flood insurance FAQs

I have property insurance for my business. Why do I need a flood policy, too? Most property and business owner policies don’t cover damage caused by flooding. Check your policy. If it doesn’t cover flood damage, you should consider adding a flood policy.

What does flood insurance cover?With a standard policy, you can protect against damage to:

• The building
• Its contents
• Or both

Depending on your needs, you may decide to insure both to protect:

• Structural elements, such as walls, floors, equipment and fixtures
• Business property, such as inventory, furniture, and wall and floor coverings

(This is a partial list for general guidance purposes only. For a complete list of coverages, refer to your policy or talk to an agent.)

What steps can I take to increase the chances that my business will reopen after a disaster like a flood?Having the right amount and type of insurance protection, including flood insurance, can help your business get back on its feet after a disaster. Having a disaster preparedness plan can also help your business to weather the storm.

Consider this: After a disaster, an estimated 40% of businesses don’t reopen. Of those that do reopen, 25% fail within one year. Small businesses are especially vulnerable, often simply because they often don't have the time or resources to put into creating a comprehensive preparedness plan.1

A tropical storm is headed toward my state in a few days. If I get a flood policy today, will my business be covered for damage caused by that storm?No. Typically, there’s a 30-day waiting period on new flood policies. So it’s important to buy a flood policy before a storm is headed your way.

Will my flood insurance policy be backed by the federal government? Yes. The Federal Emergency Management Agency (FEMA) manages the National Flood Insurance Program. And insurance companies in the U.S. that offer flood coverage do so through this federal program.

Why should I buy flood insurance through The Hartford?With more than 30 years of experience offering flood insurance, we understand the risks and consequences of flood damage on your business. Plus, for more than 200 years we’ve helped our customers prepare and prevail through losses.

Tips and tools to help you prepare for the unexpected

Do you know what you would do in an emergency? Being prepared can mean the difference between staying in business and closing your doors.

The Hartford can help. Visit our Catastrophe Information Centerwhere you’ll find important resources to help you plan and prepare for a disaster.

The National Flood Insurance Program provides several useful tools at FloodSmart.gov to help property owners protect themselves against flood damage. 

• Calculate the cost of flooding
• Consider different flood risk scenarios
• Watch video testimonials

• COMMERCIAL PROPERTY INSURANCE

  Fire, Theft, Broken
  Equipment – No Sweat

• When a fire, theft or another type of disaster strikes, you need more than just insurance protection. You need help, fast. That’s exactly what The Hartford is here for.

  Broad Protection

  Business property insurance from The Hartford can help protect the property your business owns and leases, including things like medical equipment, inventory, furniture and fixtures. We also include coverage for things you may not have thought of, like protection for your accounts receivable records and or computers and media. There’s even an option that can help replace lost income when your operations are suspended and can no longer operate due to a covered loss.

  Commercial Property Coverage Tailored for You

  No two businesses are exactly alike. With our flexible coverage options, you can tailor coverage specifically for your business’ unique needs both today and as your business evolves.

  And, many of the commercial property coverages we offer as optional can be bundled into cost-effective packages giving you the best value for your insurance dollar.

  Risks Stop Here

  The best disasters are the ones that never happen. It’s why The Hartford has developed a loss management discipline that helps mid-size and large businesses foresee risks and avoid the most common causes.  We have specialists in fire safety, disaster planning and industry specific risk reduction techniques

  The Fast Track Back

  In the unfortunate event your business property is damaged, we do everything possible to get your business up and running as quickly as possible. We’ll engage a team of experts to help streamline the process and expedite your claim. We have more than 60 specialists around the country who are authorized to settle large losses. A separate set of teams are specifically trained to help your business when catastrophes like hurricanes, blizzards, severe hailstorms or other disasters strike.
• © Copyright 2014 The Hartford Financial Services Group, Inc. All Rights Reserved

  This site outlines in general terms the coverages and services that may be afforded under a Hartford policy. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail. Coverage is individually underwritten and some businesses may not qualify. Availability of coverages may vary by state.  All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc.
• Lewis Insurance
  2525 S. Lamar Ste 11
  Austin, TX
  78704
• www.nationwide.com/joshlewis
  www.austinhealthbrokers.com

Types of Auto Insurance Coverage

Helpful Auto Insurance information from Travelers

Get the auto insurance that will help protect you

When you're shopping for auto insurance, you want to be adequately covered in case of an accident. After all, you're protecting your life and your investment, as well as the lives of those around you. So, here's a quick primer that outlines the basics of auto coverage :

Liability coverage is the most important coverage and is required in most states. Basically, if you cause an accident, hurt someone or damage someone's property, it can pay for covered damages and to defend you if a lawsuit results. Learn more about liability coverage.

Collision coverage helps pay for damage to your vehicle if your car hits another car or object, is hit by another car, or your vehicle rolls over. This coverage is generally required if your car is financed or leased. Learn more about collision coverage.

Comprehensive coverage helps pay for damage to your vehicle that is not caused by a collision. Examples include theft, vandalism, hitting a deer or other animal, storms and certain natural disasters. Learn more about comprehensive coverage.

Medical payments coverage helps pay for covered medical expenses for anyone injured while in your vehicle, regardless of who is at fault. Learn more about medical payments coverage.

Uninsured/underinsured motorist coverage can help pay for damages and medical costs resulting from an accident caused by someone who has no insurance or inadequate insurance coverage. Learn more about uninsured/underinsured motorist coverage.

Personal injury protection (PIP), also called no-fault insurance is available in certain states and pays medical expenses, and in some cases lost wages and other damages regardless of who is at fault in an accident. Learn more about personal injury – no fault – insurance protection.

In addition to these basic coverages, you can choose from a host of optional coveragesto create a customized auto policy that meets your individual needs.

Be confident in your insurance choices. Contact your agent or Travelers representative today. We'll work with you to develop an auto insurance policy that fits your needs and your budget.

Liability coverage

If you cause an auto accident, you need protection for the damage you might do to another person and that person's property. That's what auto liability insurance is all about.

If you're in an accident in which you're at fault, your property damage liability pays for the covered damage you've caused to the other car and provides you with legal defense if the other party files a lawsuit against you. Your bodily injury liability covers the costs associated with the covered injuries you may have caused to other people in that accident and also provides for a legal defense if you're sued.

Key points when choosing liability insurance:

• Bodily injury liability covers injury to people, up to the policy limits.
• You should have enough property liability insurance to cover the amount of damage your car might do to another vehicle or an object such as a building or piece of equipment.
• With both types of liability, you want enough insurance to cover a lawsuit judgment, without jeopardizing your personal assets.

Most states require all motorists to maintain some form of liability insurance. Your Travelers representative can help you understand your state requirements and select the amount of liability coverage that's right for you.

See how your insurance performs

Be confident in your insurance choices. Contact your agent or Travelers representative today. We'll work with you to develop an auto insurance policy that fits your needs and your budget.

Collision coverage

If you're in an accident with another vehicle or object – or your vehicle overturns – your collision coverage will pay for the covered damage to your vehicle. The maximum amount you'd receive is the actual cash value of your vehicle minus the deductible you chose for this coverage.

Key points about collision insurance:

• In order to purchase collision coverage, you must also purchase comprehensive coverage.
• Both collision and comprehensive coverage are generally required if you have a loan or lease on your vehicle.
• Choose a deductible with an out-of-pocket cost you're comfortable with should an accident occur.

Coverages and limits may vary by state. Check with a Travelers representative to find out what's available in your state.

See how your insurance performs

Comprehensive coverage

If your car is stolen or is damaged by something other than collision, you'll want to havecomprehensive coverage to help pay for the loss. The maximum amount you'd receive is the actual cash value of your vehicle minus the deductible you chose for this coverage.

Key points about comprehensive insurance:

• Comprehensive typically covers damage from fire, vandalism, windstorm, hail, flood, vandalism or impact with an animal.
• If you have a loan or lease on your vehicle, comprehensive is generally required; otherwise, it's optional.
• Choose a deductible with an out-of-pocket cost you're comfortable with should an accident occur.

See how your insurance performs

Medical payments coverage

The medical payments portion of your policy pays for covered medical expenses up to policy limits for this coverage for anyone injured in your vehicle – regardless of who's at fault. It also covers you and your family members who might be involved in an accident as a pedestrian.

Coverages vary by state. In some states, medical payments are covered under personal injury protection (PIP), also known as no-fault insurance.

Talk to your Travelers representative about the advantages of medical payments coverage.

See how your insurance performs

Uninsured motorist/underinsured motorist coverage

It's scary to realize that some drivers on the road have no insurance or have insufficient coverage. But when you have uninsured/underinsured motorist coverage, you'll have protection even if you're in an accident with one of those drivers.

Key points about coverage for uninsured/underinsured motorists:

• As long as you've chosen sufficient limits on the policy, uninsured/underinsured motorist coverage can cover your medical bills and bodily injury resulting from an accident with someone who does not have sufficient insurance.
• Coverage extends to you, your family and your passengers.
• As a pedestrian, if you are hit by an uninsured driver, you can be covered.

The requirement for uninsured motorist coverage varies by state. In most states, it applies only to bodily injury coverage, but you can usually add uninsured/underinsured motorist property damage coverage to your policy as well. Ask your Travelers representative about the coverages available in your state.

See how your insurance performs

Personal injury protection, or no-fault insurance

Personal injury protection – or PIP – is often referred to as no-fault insurance because covered claims are paid regardless of who is at fault in an accident.

Key points about PIP no-fault insurance:

• If you're in an accident, PIP covers you, your family and any passengers.
• PIP pays for covered medical and hospital expenses, and may pay for lost wages and expenses for childcare or household-related services while you're recovering.
• It may also pay for funeral expenses.

If you live in a state where PIP is required by law, your auto insurance policy should include this no-fault insurance. Contact a Travelers representative to learn what's required in your state.

Coverages vary by state. In some states medical payments are covered under medical payments coverage.

See how your insurance performs

Optional coverages, including gap insurance

As you build your Travelers auto policy, you may want to add one or more of the following coverage options. Please note that in some states, some of these coverages may already be included in your auto policy:

• Gap insurance – or loan/lease insurance – can protect you if your vehicle is financed or leased. If your vehicle is totaled, this coverage may pay the difference between the actual cash value of the vehicle and the unpaid balance of the loan or lease.
• Towing and labor pays for covered towing and labor costs if your vehicle is disabled, up to your policy limits.
• Rental reimbursement or extended transportation expenses coverage can pay for a rental car if your car is damaged in a covered accident and your car is out of commission for more than 24 hours.

See how your insurance performs

Understand your insurance deductible and limits
of liability

Car insurance coverage should fit your needs – and your budget

To create the auto insurance policy that's right for you, think about what you'd like covered, what you can afford to pay for that coverage and how much you can pay out of pocket if an accident occurs.

Deductibles

Your car insurance deductible is the amount you'll pay out of pocket before your insurance kicks in. The lower the deductible, the less you'll pay out of pocket if an accident occurs. Selecting a higher deductible may lower your auto insurance premium.

For example, if you choose a $1,000 deductible and have an accident causing $2,000 in damage, you would pay the first $1,000 of a covered loss before insurance kicks in.

Limits of liability

Your car insurance coverage limits, also referred to as limit of liability, is the most your insurance will pay if you have a claim. Choosing a higher coverage amount provides you additional protection if an accident occurs.

The available coverage limits may vary by coverage type and state. It is important to choose limits that meet your needs.

Even more protection with a personal liability umbrella policy

You may want to consider additional liability coverage over and above the basic limits in your automobile policy. For example, if you're in a serious accident involving medical bills or litigation, umbrella insurance pays after you have used up the underlying auto insurance. Typical policies provide $1 million in additional coverage.

Weigh budget and risks

At Travelers, we understand your need to obtain thorough coverage while keeping your premiums reasonable. That's why we recommend that you carefully weigh your budget considerations against your exposure to potential risks as you select your coverages and limits. You can consider different scenarios with our online Auto Coverage Guide, or call us and a Travelers representative will help.

Be confident in your insurance choices. Contact your agent or Travelers representative today. We'll work with you to develop an auto insurance policy that fits your needs and your budget.

See how your auto insurance performs

Scenario #1

A tree falls on your car during a thunderstorm causing major damage.

Here's where your comprehensive coverage proves its value.

You'll pay your deductible – say $1,000 – and then your comprehensive coverage pays the rest of the bill. If your car is considered a total loss, your insurance will cover the actual cash value of the car or what it's worth today, minus that $1,000 deductible.

Scenario #2

Your car collides with a stopped car at an intersection. Both cars are damaged but no one is hurt.

Your collision coverage covers the repairs on your vehicle, minus the deductible. If your car is considered a total loss, you'll get the actual cash value of the car, minus the deductible. If you're liable for damage to the other vehicle, your property damage liability coverage provides coverage up to the limit.

Scenario #3

You're driving alone when your vehicle collides with a car carrying three people. Everyone sustains injuries.

As in scenario #2, your collision coverage covers the damage to your car and your property damage liability covers damage to the other car up to your property damage liability coverage limit.

Where it's available, PIP – personal injury protection – may pay covered medical expenses up to the limit of the policy, regardless of who was at fault in the accident.

If the other driver is liable, but has no insurance, youruninsured/underinsured motorist coverage could provide protection up to the limits of your uninsured/underinsured motorist liability limit.

If an injured person sues you, your bodily injury liability provides your defense and, if you're found responsible, that same coverage pays damages up to your bodily injury liability limit.

The information on this site is general in nature. Any description of coverage is necessarily simplified. Whether a particular loss is covered depends on the specific facts and the provisions, exclusions and limits of the actual policy. Nothing on this site alters the terms or conditions of any of our policies. You should read the policy for a complete description of coverage. Coverage options, limits, discounts, features, deductibles and repair options are subject to availability and to individuals meeting our underwriting criteria. Not all features available in all areas.

Insurance is underwritten by The Travelers Indemnity Company and its property casualty affiliates, One Tower Square, Hartford, CT, 06183. For a complete list of personal insurance underwriting companies, clickhere.

© 2013 The Travelers Indemnity Company. All rights reserved. Privacy Center | Legal Notices | Producer Compensation Disclosure

Lewis Insurance
2525 S. Lamar Ste 11
Austin, TX
78704

www.nationwide.com/joshlewis
www.austinhealthbrokers.com

Commercial Auto Insurance basics from Progressive

Commercial Auto Insurance

Hundreds of thousands of businesses trust Progressive for their commercial auto insurance needs. We're one of the largest commercial auto insurance providers in the nation, and we have an A+ rating from A.M. Best.

Visit ProgressiveCommercial.com for detailed information on all our commercial auto insurance products.

Business Auto Insurance

As a business owner, you're passionate about what you do. That's why we offer business auto insurance solutions specifically designed for companies just like yours.

Auto Insurance For Businesses

Progressive defines small businesses as privately owned corporations, partnerships and sole proprietorships with anywhere from one to 100 employees that typically operate everyday vehicles such as pickup trucks, vans, cars and SUVs.

If you work in the towing services or trucking industries, please visit the tow truck insurance or truck insurance sections to learn about unique products and features Progressive offers to meet your small business insurance needs.

Choosing Insurance For A Business

Progressive divides small businesses into more industry-specific categories, allowing us to provide you with targeted auto insurance for businesses. To learn more about how we can help protect your business, view businesses we insure.

Business Auto Insurance Resources

Progressive provides the following resources if you have questions about small business auto insurance:

• Frequently asked questions - Get fast answers to common small business auto insurance questions.
• Commercial auto claims service - See how Progressive’s auto insurance for businesses provides superior service for all kinds of vehicles.

Special Needs Business Auto Insurance

Every business has unique needs, so Progressive provides special business auto insurance solutions and helpful advice for the following:

• Seasonal business vehicle insurance - If your small business only operates during specific months of the year, we offer seasonal small business auto insurance products and services just for you.
• New business vehicle insurance - If you are about to start a business, or your business is still in its first year or two of operation, you can get advice and learn about auto insurance for a business like your new venture.

See What You Could Save

Get a quote online or quote by phone at 1-888-806-9598 and learn more about our Business Auto insurance, discounts and flexible payment plans.

Pickup Truck Insurance

Whether you have a half ton or over one ton pickup truck – you expect your truck to help you get your work done. You should also expect to get the best coverage and service options with your pickup truck insurance. As the #1 Truck Insurer in America, Progressive has pickup truck insurance and trailer insurance options designed to meet your business’ needs.

Pickup Truck Insurance Coverages

No matter what you’re hauling, you want to make sure you have the right insurance coverages for your pickup truck. Whether you’re a contactor, a landscaper or any other skilled tradesperson, you need to make sure you have enough truck insurance to protect you no matter what kind of situation you’re in. Common types of pickup truck insurance coverages include:

• Liability Insurance – Includes Bodily Injury and Property Damage coverage and can cover injuries or damage to other people or property if you're at fault for an accident.
• Physical Damage Coverage – Includes Comprehensive and Collision coverage and can protect you if your pickup truck collides with another object or rolls or is stolen.
• Uninsured or Underinsured Motorist Insurance – Can provide coverage when you’re involved in an accident with an uninsured or underinsured motorist. Uninsured Motorist insurance options vary by state, but our licensed agents can help you determine what options are available and what choices make sense for your business.

We also offer coverage for different types of trailers, including the following:

• Utility Trailer
• Horse Trailer
• Gooseneck or Medium Duty Trailer

Pickup Truck Insurance Quotes Made Easy

Get a quote online or call us today at 1-888-806-9598 to see how much you could save on commercial pickup truck insurance today. Let us guide you each step of the way to a policy customized to meet your specific pickup truck insurance needs. We offer real benefits to our commercial pickup truck insurance customers including:

• Customized Commercial Auto Insurance Discounts – We offer discounts designed especially for our commercial auto policyholders. You could be eligible for a discount just by having a commercial driver’s license or based on the number of years you’ve been in business. We also offer additional savings for customers who pay their pickup truck insurance bills electronically or pay their policy in full.
• Superior Commercial Auto Insurance Claims – We offer best-in-class commercial auto insurance claims service with highly trained insurance claims specialists. Our claims specialists will work with you to help you get your pickup truck or trailer back on the road fast.

Commercial Van Insurance

Vans are a popular vehicle for many different business types. Whether you drive a delivery van or own a small fleet of cargo vans, it’s important to make sure that your business and vehicles are protected with commercial van insurance.

Who Needs Commercial Van Insurance?

Whether you own your own business van and make deliveries, or operate a company van, Progressive’s commercial van insurance can provide you with the insurance coverage you need. Examples of businesses that require commercial van insurance include:

• Couriers
• Expeditors
• Florists
• Caterers that make deliveries
• Electricians, plumbers or tradesmen making service calls
• And more

If you own a company, you or your employees will be driving your cargo vans or other business vans, you’ll want to make sure you have Liability insurance, which pays for injuries or damage to other people or property if you're at fault for an accident.

You’ll also want to consider getting physical damage coverage, which provides protection for your business van if it is damaged in an accident. Make sure you have enough coverage to ensure that you avoid losing business or profit if something happens to one of your commercial vans. For a complete list of the insurance coverage available to you, visit the small business auto insurance section.

If you work as an independent contractor and make deliveries using your commercial van, your employer may provide insurance coverage’s that protect the products or delivered goods you transport in your cargo or delivery van. They may also provide liability insurance to cover you while you’re working. Be sure to ask your employer about what coverage they provide, because you might only be protected while you're delivering for them. In that case, you'll need your own commercial van insurance policy for when you drive your vehicle for personal use.

Get a quote online or call us at 1-888-806-9598 to speak with a licensed insurance representative about your commercial van insurance needs today.

Business Van Insurance and More

Progressive provides coverage for a variety of commercial vans, including:

• Cargo vans
• Delivery vans
• Company vans
• Mini vans
• Passenger vans
• Wheelchair vans
• Step vans
• Sprinter trucks

Commercial Truck Insurance

With more than 42 years of experience, you can trust Progressive to meet your commercial truck insurance needs. We are the #1 truck insurer in America, the nation’s third-largest commercial vehicle insurance company, and we have a A+ rating from A.M. Best. We offer customized insurance policies, flexible payment options, 24/7 claims service and discounts for qualified drivers in all states.

Commercial Trucks We Insure

Whether you're looking for owner operator insurance, motor carrier insurance, or private carrier insurance, Progressive provides commercial truck insurance for trucks and trailers of all sizes including:

Box trucks Semi trucks Flatbed trucks Front loaders Garbage trucks Pickup trucks

Tank trucks Tractors Dump trucks Auto hauler trailers Flatbed trailers And many more…

Truck Insurance Filings

Progressive offers complete commercial truck insurance state and federal filings assistance. An insurance filing is a guarantee to the government that you have sufficient truck insurance protection for your vehicle. Once authority has been filed, we can take care of the rest.
Learn more about commercial truck insurance filings.

Truck Insurance Discounts

To show appreciation for our commercial truck insurance customers, Progressive offers customized discounts designed specifically for your policy. Qualifying for just one commercial truck insurance discount could save you up to 5 percent on your insurance quote.
Learn more about commercial truck insurance discounts.

Commercial Truck Insurance Claims

Call us day or night at 1-800-274-4499 to report a claim or to get additional information on a truck insurance claim that you’ve already filed. Our commercial truck insurance claims professionals will start working to get you back on the road.
Learn more about commercial truck insurance claims.

Commercial Truck Insurance Quotes

Get a quote online or call us at 1-888-806-9598 to speak with one of our licensed insurance representatives. Get the help you need and learn more about the benefits and features our customers enjoy including:

• Flexible Payment Options – Whether you pay online, by phone, or by mail, we offer multiple payment options. We accept checks, debit cards, credit cards, and more. You can choose to pay monthly with a low downpayment or pay your policy in full.
• Customized Discounts – Depending on your business type, you may qualify for discounts for having a CDL, being an experienced business owner, or for having a General Liability or Business Owner’s Policy with another insurance company.
• Superior Claims Service – Our claims service is designed to help you get back on the road fast. You can report a truck insurance claim anytime. Our staff of in-house claims representatives will give you personalized service from the beginning to the end of your truck insurance claim.

Tow Truck Insurance

A tow truck business is any business that earns income by towing or providing roadside repair to disabled vehicles, operating a repair facility or performing some repossession work. If there's a tow truck in your garage, you just may have a tow truck business. To protect your business investment, you will need the right tow truck insurance.

Examples of businesses that may need commercial tow truck insurance typically include:

• Roadside service providers
• Auto club contractors
• Rotational towing
• Auto body shops
• Auto mechanical repair
• Full service stations
• Auto salvage and auction haulers

At Progressive, we think of tow trucks as the white knights of the road, rescuing stranded vehicles and their owners. With so much riding on your tow truck, towing insurance products and features designed specifically for your needs are vital.

Insurance For Tow Truck Companies — Get The Info You Need Now

Below is information that addresses specific questions or issues you may have about insurance for your tow truck company:

• Tow Truck Insurance Coverages – Learn what you need to protect your tow truck business.
• Superior Claims Service – Discover why superior claims service matters — and find out what Progressive is doing to make claims better.
• Frequently Asked Questions – Get fast answers to common tow truck insurance questions.

See What You Could Save

Get a quote online or quote by phone at 1-888-806-9598 and learn more about our Business Auto insurance, discounts and flexible payment plans.

Towing Insurance: Tow Trucks Used For Repossession

Progressive does not currently offer insurance for commercial tow truck businesses that earn more than 24 percent of their revenue from repossession work.

Dump Truck Insurance

You keep an eye on the weather. You check the overhead clearance. You make sure your dump truck is as level as possible before dumping a load. Your truck is your business — and you need to keep it well maintained. For aggregate haulers with dump trucks, sand and gravel haulers insurance is yet another worry when you've already got enough on your mind.

At Progressive, we work hard to provide the best insurance for sand and gravel haulers because it's not just about protecting you or your dump truck - it's about protecting your business and livelihood, and it’s about peace of mind.

Basic Dump Truck Insurance

If you're an aggregate hauler who is leased to a motor carrier, then your motor carrier may providePrimary Liability Insurance coverage for your dump truck while you're on the job. Likely, you need to find your own Physical Damage Insurance (covering damage to your vehicle) Check out the independent owner operator trucking section to learn about Physical Damage insurance for your dump truck as well as insurance to protect you when you're driving off the clock.

If you're a motor carrier operating under your own authority, then you need full coverage insurance. Check out the motor carrier insurance section to learn about the full range of dump truck insurance coverage that we offer to protect you, your business, and your truck.

Motor Carrier Filings for Dump Truck Operators

If you're a motor carrier, then you operate under your own authority. Motor carriers usually need some type of financial responsibility filing along with commercial truck insurance. Progressive can help you out. When you choose Progressive’s sand and gravel haulers insurance for dump trucks, we'll even file most federal and state filings for you.

View common commercial vehicles or commercial trailers we insure.

Call 1-888-240-9837 to get a free commercial auto insurance quote today. We offer special benefits designed specifically for our commercial auto and truck insurance customers including discounts, competitive rates, exceptional claims service and more.

Commercial Auto Discounts and Coverages

Answer a few easy questions and learn about common coverages and discounts that are available for your vehicles.
View Discounts for Your Vehicles

Personal or Commercial Auto Insurance

Use our simple online tool to find out whether you need personal or commercial auto insurance for your vehicles.
Get a Personal or Commercial Insurance Recommendation

Copyright 1995 - 2013. Progressive Casualty Insurance Company. All Rights Reserved.

We offer insurance by phone, online and through independent agents. Prices vary based on how you buy. Quotes for policies sold through agents and brokers are available, and can also be retrieved, through ProgressiveAgent.com or via the Quote with a Local Agent button.

Mobile quotes are for policies purchased directly from Progressive. Not available in all states and situations.

Lewis Insurance
2525 S. Lamar Ste 11
Austin, TX
78704

www.nationwide.com/joshlewis
www.austinhealthbrokers.com