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Auto Insurance Discounters Business and Commercial Insurance

Auto Insurance Discounters is the place to find the cheapest insurance. We can offer you the lowest possible insurance rate from quality companies, because we shop multiple carriers so you don’t have too. Do you need Texas small business insurance? We can meet your company’s needs even if you own a big business. If you’re looking for business and commercial insurance in Houston, look no further, Auto Insurance Discounters is here to serve you affordable business and commercial insurance. If you’re not in Houston, that’s OK, because we are the place to find Texas business and commercial insurance. Please call 1-800-580-9171, visit one of our convenient locations or fill out an online quote form for immediate service.



Auto Insurance Discounters Business and Commercial Insurance Quote Forms

Looking for Texas Business or Commercial Insurance, and need a quote that is quick, accurate and affordable?  Please see below links for Business and Commercial Insurance quote forms.


Builders Risk General Liability Quote Form
Business Owners (BOP) Quote Form Umbrella Insurance Quote 
Commercial Auto Insurance Quote Workers Compensation Quote



Auto Insurance Discounters Business and Commercial Insurance Self-Serve Customer Service Forms

At Auto Insurance Discounters we pride ourselves in customer service and have the testimonials to prove it, so please do not hesitate to call if you need anything 1-800-580-9171, but if you want to handle your needs yourself.  Please see below links for Texas Business and Commercial Insurance policy service options.

Add Driver to Existing Commercial Auto Policy
Add Vehicle to Existing Commercial Auto Policy
Remove Driver from Existing Commercial Auto Policy
Remove Vehicle from Existing Commercial Auto Policy
Request General Liability Certificate of Insurance
Request ID Card for Commercial Auto Policy



Auto Insurance Discounters Business and Commercial Insurance Information

Commercial Auto Insurance 

As a business owner, you need the same kinds of insurance coverage’s for the car you use in your business as you do for a car used for personal travel – liability insurance, collision insurance and comprehensive insurance, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.

Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you many details about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.

While the major coverage’s are the same, a business auto policy differs from a personal auto policy in many technical respects. Ask your Auto Insurance Discounters agent to explain all the differences and options.

General Liability Insurance

If you have a personal umbrella liability policy, there's generally an exclusion for business-related liability. Make sure you have sufficient auto liability coverage.

Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.

General Liability insurance pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations. The Hartford's liability programs extend far beyond the provisions of typical policies, with broadened coverage and increased limits in over 30 areas.

Broad Range of General Liability Insurance Protection

  • Bodily Injury, including the cost of care, the loss of services, and the restitution for any death that results from injury
  • Property Damage coverage for the physical damage to property of others or the loss of use of that property
  • Products-Completed Operations provides liability protection (damages and legal expenses up to your policy's limit) if an injury ever resulted from something your company made or service your company provided
  • Products Liability is a more specialized product liability insurance that protects your company against lawsuits from product-related injury or accidents
  • Contractual Liability extends to any liability you may assume by entering into a variety of contracts
  • Other coverage includes: Reasonable Use of Force; Borrowed Equipment; Liquor Liability; Non-Owned Vehicles (such as aircraft and watercraft); Fire, Lightning or Explosion Damage; Water Damage Liability Protection; Legal Defense Costs; Medical Payments; Personal Injury; Advertising Injury; and specialized liability protection for specific business types


Workers Compensation Insurance
Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.

Workers Compensation Insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. Workers Compensation Insurance is not health insurance. Workers Compensation insurance is designed specifically for injuries sustained on the job. 

In most states, if you have employees, you are required to carry Workers Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.


Do I need workers compensation insurance?
Employers have a legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken. 

To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers compensation insurance. Workers compensation insurance covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.

Workers compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitation services. It also provides death benefits to surviving spouses and dependents. 

Each state has different laws governing the amount and duration of lost income benefits, the provision of medical and rehabilitation services and how the system is administered. For example, in most states there are regulations that cover whether the worker or employer can choose the doctor who treats the injuries and how disputes about benefits are resolved. 

Workers compensation insurance must be bought as a separate policy. Although in-home business and business owner’s policies (BOPs) are sold as package policies, they don't include coverage for workers' injuries. 


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