Automobile Insurance:

Liability and Physical Damage – This covers damages caused by vehicles owned by your company and pays for repair or replacement of your vehicles.  To insure you are covered, the insuring company needs to be notified of any additions or deletions when they occur.

Hired and nonowned coverage - This coverage is very important to you when anyone doing work on your behalf uses a personal vehicle during the normal work day and would be secondary to coverage carried by that person.  When your company owns no vehicles, hired and nonowned coverage can be added as an addition to your General Liability policy or written as a separate policy. 

Pollution – Coverage for pollution is not covered by your auto policy.  Coverage can be added as a separate policy or some commercial policies (usually for trucking companies) can include pollution cleanup.  Example – a 5 gallon pail of acid falling off a trailer and damaging vehicles on the freeway would be a pollution event and not be covered under auto liability.

Owner / Operator – OO’s can be included as part of commercial trucking policy


Ray Arnold & Associates PC
3516 Woods Estates Dr.
Conroe TX 77304

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All insurance coverage and offers of coverage are subject to the underwriting criteria and approval of the insuring companies.

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