As a commercial insurer, there are many types of companies that may need coverage. For example, BTP Insurance Services can offer help with specialized policies that reflect the type of business that a company is in and its unique needs. It can also assist businesses with Workers’ Compensation policies that protect their employees, as well as their company, if a worker gets injured on the job. This is an important option for companies that want to protect themselves from liability if a worker gets injured while working. It also provides coverage for employees who are working hard on their behalf. It enables them to stay healthy and get back on their feet so that they can come back to work fully capable once again.
Workers’ Compensation insurance will provide injured workers with coverage for medical bills that come about from being injured in the workplace. It may also provide them with monetary compensation for the days or weeks they are unable to work so that they are not struggling as much as they would be without their paycheck. These commercial insurance services are critical for many companies that understand that sometimes, things happen for which there should be some type of protection in place to prevent any serious liability and financial problems.
Theft is another reason commercial insurance services are great for businesses in any sector. Unfortunately, theft happens to millions of individuals and business owners every year. Companies around the world suffer millions of dollars in losses to theft; and for some of those companies it can spell disaster. It can be thoroughly devastating to have costly and vital equipment or products stolen. Businesses that had no or very little insurance after a theft were often faced with severe financial hardships. The money just was not there to replace their important equipment, machinery, and products. Having commercial insurance services that cover theft offers a significant peace of mind. They will be there to help with the loss of any covered items that are essential to doing the work that needs to be done to stay afloat, and not suffer any major slowdowns or financial problems in the meantime.
BTP Insurance Services will step in and assist in the event of a theft and will be there for any questions that come up, and help with the process of filing a claim. Individualized assistance is there for companies that choose BTP Insurance Services as their provider, and people will have an agent in their corner that they can trust to handle the process fairly and with the utmost professionalism.
Other Commercial Coverage Options
Commercial Property
This coverage option will cover losses after unfortunate events which include vandalism, theft, fire, or natural calamities. This coverage is especially helpful to business owners who hope to protect their most valuable assets, such as building, machinery, equipment, tools, or inventory.Employers’ Liability
Most, if not all, employers are obliged to get this specific commercial coverage option. The employers’ liability insurance will cover any compensation costs and legal fees on cases filed against them due to injury or illness caused by their job.Professional Liability
This insurance coverage is more commonly known as the errors and omissions (E&O) insurance. This is an insurance coverage where an owner’s company is protected when any claims against their professional services arise, such us causing financial harm due to errors done by the company or having failed to provide some service (omissions).Warehouseman’s Legal Liability
This is a unique type of commercial liability insurance coverage. This policy is specifically used when a warehouse operator fails to perform safety protocols in the handling and storage of a customer’s goods, which results in damage or loss of these goods.Trailer Interchange
This insurance policy is essential for non-owned trailers and protects you if the trailer is damaged due to explosion, fire, collision, theft, or vandalism.Commercial Transportation
This insurance is best for businesses involving moving people or cargo. For businesses that involve transporting goods, equipment, or people, the commercial transportation policy will protect you by mitigating risks when uneventful accidents or other losses occur.Workers’ Compensation Insurance
This is a form of insurance that provides medical benefits and wage replacement to employees who unfortunately get injured during their employment in exchange for mandatory renouncing the charges they have filed against their employer for the tort of negligence.Commercial General Liability
The commercial general liability insurance provides coverage to a business for property damage, personal injury, and bodily injury which happened during business’ operations or injury that occurs inside the business’ premises.Liquor Liability
This insurance covers claims against your company for personal injury, property damage, bodily injury, or advertising injury caused by an incidental service of alcohol, such as liquor served during a corporate event. The policy covers claims against your business. It includes host liquor liability insurance.Business Owners Policy
The business owner policy (BOP) is an “all-in-one” package of protection for all major liability and property risks. This policy includes the basic coverages needed by business owners in one bundle.Commercial Umbrella Coverage
Most commercial umbrella insurance provides an additional one million dollar of coverage. This policy responds when claims exceed the limits of a business’ primary insurance.Business Interruption Coverage
Also referred to as business income insurance, business interruption policy covers any business loss caused by a disaster. The covered loss of income may be because of any disaster-related event which led to the closing of the business or the rebuilding process after the disaster.Unique solutions for unique situations.
There are so many insurance companies offering trucking insurance but only one has a team of insurance professionals who know commercial truck insurance the way we do. For over 40 years, BTP Insurance has been helping commercial trucking compAs a commercial insurer, there are many types anies get the right protection for their businesses. Our insurance team knows the industry like the back of our hand, and our reputation stands in the foundation of providing insurance coverage to commercial trucking business when their trucks are on or off the road.
BTP Insurance specializes in commercial truck insurance coverage. We aim to provide protection for commercial truck owners and meet the needs of your commercial trucking business. Some of our comprehensive coverage options include general liability, auto liability, motor truck cargo, non-trucking liability, and physical damage trailer interchange. These coverage options are designed with the customers in mind because we want to continuously build strong relationships with our clients with every trucking insurance service we provide. We make sure that you get the right price with the best services because here at BTP Insurance, we help you find the right commercial trucking coverage that will come in handy during inevitable events.
We pride ourselves in providing customized insurance packages that include all of your trucking coverage needs. BTP Insurance also understands the essence of time in this type of industry, which is why we are proud to provide tailor-fit solutions and comprehensive coverage options to commercial truckers. Our expertise is what you need to minimize your risks. At BTP Insurance, we understand the daily challenges you encounter as commercial truck operators, that is why we have created an insurance program designed to meet your unique needs, while saving your valuable dollars. We offer commercial trucking insurance quotes in Texas which will help you secure the right coverage for your business.
Trucking Coverage Options
Primary Liability Coverage
This coverage option is set for anything that all third parties experience. When accidents occur, the physical damages to third parties are covered comprehensively. It is a requirement for owner operators to ensure that all drivers are fully covered. There are other states that require this coverage before issuing the driver’s license.Physical Damage Coverage
Physical damage coverage is a basic requirement for all truck drivers. It mainly covers any physical damage on your truck when an accident happens. The damage is not only restricted to crashes. Criminal damage and all-natural calamities might require you to repair your vehicle. With this policy, all the fixing costs will be covered. Owner drivers who don’t have the physical damage coverage are bound to experience large losses when regrettable events occur.Bobtail Insurance
The insurance policy is designed for situations when your truck has no freight. It comes useful particularly when you are returning to base after delivering a client’s items. The plan does not, nonetheless, cover damage caused when you use the vehicle for personal use. You will certainly have to get the non-trucking liability insurance for such scenarios.Non-Trucking Liability Insurance
Drivers who have rented the vehicle require this plan to deal with crashes that take place when they are on call. The coverage includes third parties and is an appropriate complement for the main liability coverage. It needs to not be paired with the bobtail insurance.Theft Coverage
This insurance coverage will repay you when a customer’s cargo is stolen while under your custody. You can opt to establish restrictions along with deductibles on your favored insurance coverage. Limits will certainly determine the quantity that your insurance partner will pay while deductibles allow you to pay a few of the claim money by yourself. Sub-limitationscan be presented for particular items, and they are lower than the major limits. Greater deductibles will certainly reduce your insurance premiums; however, you ought to ensure that you do not take greater than what you can take care of conveniently.Read MoreRemoval Expenses Coverage
Negligent driving of your motor truck might result in getting stuck in the road or worse, in rivers or oceans. The particles can lead to pollution and legal actions must be taken immediately. The removal expense plan can help to prevent situations from getting out of hand. You can pleasantly spend for the expenses needed to remove both the debris and the pollutants.Earned Freight Coverage
You might fall short to provide a customer’s load, and this will probably bring about losses that may be transferred to you. This policy will certainly help to deal with the costs against you.Sue And Labor Coverage
When damage has been done after an accident, there is much you can do to stop the damage from escalating. The sue and labor coverage insures any kind of costs that you will certainly incur because of the damage. It is not an obligatory policy yet will definitely save you a lot of trouble.
At the end of the day, the choice lies squarely on you. Maintain open communication with the agents and make up your mind on what will work best for you based on the information you receive. The temptation to handle claims on your own may be high when they arise. Make a point of getting in touch with your agent when this occurs to ensure that you are not swindled nor taken advantage of. They will help you fast-track the assessment and tend to be particularly helpful in high-cost claims. Some agents may revoke your contract if you choose to go on your own.
Do not allow everything you have worked so hard to build go up in smoke when disaster comes calling. You hold the destiny of your business in your hand, and a prudent choice of an appropriate commercial insurance cover ensures that your business remains afloat for years on end.
BTP Insurance has an expensive client base in Texas and has every intention of growing their influence throughout the state.
Contact them to schedule an initial consultation and get a free quote while at it.
