FAQ's

A commercial auto policy is needed in place of a personal auto policy when the vehicle is used for business purposes or to make a profit.

Unlike many other states, Texas does not require employers to carry Workers Compensation or Disability Benefits Insurance. Despite this, many businesses choose to purchase some form of disability coverage, providing medical and financial assistance for employees injured on the job. Having a Workers' Compensation policy or an alternative can also reduce the chances of being sued by employees and cover employees and the owner in the event of an on the job loss.

Certificates of Insurance are necessary as it gives the requesting party proof of your coverage in a snapshot. All coverages composed on a single page makes the verification process quicker and gets you closer to reaching a partnership with that party. Certificates are typically delivered by the insurance company, broker, or agent of record on the policy.

Depending on the type of insurance, many insurance companies will require an audit prior to the policy renewal. This is done in part to compare actual sales or payroll with projected sales or payroll the policy was written originally with. Insurance companies use this to properly calculate the risk exposure and to ensure the policy is rated correctly.

Insurance is tax-deductible if you are self-employed.

In some industries that are regulated by the state and/or the government insurance is required. In other cases, insurance may be a requirement other companies have if you want to work with them in some kind of capacity.

General liability insurance (GL) is coverage that can protect you and your company from a variety of claims including bodily injury, property damage and personal injury as a result of your products, services or operations. It may also cover you if you are held liability for damages to your landlord property.

To obtain a Commercial Auto quote, please fill out the form below and send to or call:
Colin Hubbard: Colin@HubbardAgency.com or Leslie Hubbard: Leslie@HubbardAgency.com
To obtain a Personal Auto quote, please fill out the form below and send to or call:
Jordan Khalil: Jordan@HubbardAgency.com
Please give us a call Monday-Friday 9AM-5PM (281) 852-6000