Motor Truck Cargo insurance (Cargo) provides insurance on the freight or commodity hauled by a For-hire trucker. It covers your liability for cargo that is lost or damaged due to causes such as fire, collision, or striking of a load.
If your load is accidentally dumped on a roadway or waterway (Removal Expenses coverage), our coverage pays for the cost to remove debris or extract pollutants caused by the debris. We’ll also pay for costs related to preventing further loss to damaged cargo (Sue and Labor Coverage), legal expenses in the defense or settlement of Claims’ and even freight charges the customer loses because of not delivering a load (Earned Freight Coverage).
Who needs motor truck cargo insurance?
A growing number of risk managers require truckers to insure their cargo. You can meet that requirement with Progressive’s Motor Truck Cargo Insurance. It pays when you are responsible for damage to or loss of the cargo due to fire, collision or even hitting or running over the cargo that you transport on behalf of a client.
Limits, deductibles, and other details
When you select Motor Truck Cargo insurance, you have to select a limit for your coverage. This limit determines the maximum amount your insurance company will pay for damaged or destroyed cargo. You also need to choose a deductible. A deductible is the amount you agree to pay out of pocket when you have a claim. Choosing a higher deductible is an easy way to lower the price of your insurance, but be sure you choose a deductible that you can afford to pay out of pocket at any time.
See what you could save
Call us at 1-512-339-2901 to see how much you could save on Motor Truck Cargo insurance from Progressive.
Exceptions and restrictions
Motor Truck Cargo insurance is only available for for-hire trucking risks on policies with one or more of the following body types: dump truck, tractor, most trailers, box trucks, cement mixers, cargo vans, dually pick-ups, flatbeds and car haulers.
Motor Truck Cargo insurance is not available on garbage trucks, limos, hearses, buses, passenger vans or ice cream trucks. The following cargo types are also excluded from coverage (other exclusions may apply):
Art, jewelry, money, or paper
Contraband, pharmaceuticals, tobacco, alcohol
Live animals
Property while in custody of any other carrier
Property or goods owned by the insured
Property not under Bill of Lading
Storage greater than 72 hours
Shipping containers
Explosive or radioactive material
Motor truck cargo insurance state-specific details
Motor Truck Cargo insurance is not available in all states and situations. Contact us to learn more.
As an Austin Insurance Group client, you’ll receive expert consultation, exceptional customer service and unparalleled coverage for all of your insurance needs. Contact us today to request a quote!
We now provide coverage through Progressive and Mercury. RideShare drivers need to understand the risks and insurance limits in Texas and buy adequate coverage.
Most insurance companies will not insure you on a personal insurance policy when you are using your vehicle for commercial purposes, especially “for hire” when you are carrying other passengers for money. And even though your rideshare program, like Uber or Lyft covers you when you have passengers, your personal insurance carrier may not cover you at all, and when they discover you are part of a Rideshare program, they may drop you.
If your current carrier will not insure you, we can. Over the past few months, however, several major carriers have begun offering policies to rideshare drivers. We can now insure you with Progressive on one of their commercial policies. Call for a quote 1-512-339-2901.
Changing insurance may not be a simple matter, since many of us have multiple policies homes, other cars, etc. We’ll do our best to make it as easy of a process as possible. And can provide quotes for all of your insurance needs to make sure you find the best plan, best price and take advantage of all of the discounts available.
Austin Insurance Group offers a comprehensive package of coverages with A-Rated carriers to protect the cannabis industry.
We offer:
General Liability
Commercial Property
Excess Liability
Product Liability
Workers Comp
Crop
GENERAL LIABILITY
The Commercial General Liability policy has been specifically designed to meet the needs of the cannabis and CBD hemp industry using both ISO and program specific coverage forms and endorsements.
This policy is available to be purchased monoline, or in conjunction with other package coverages including Property, Crop, and Products Liability.
The Commercial Property policy has been specifically designed to meet the needs of the cannabis and hemp industry using both ISO and program specific coverage forms and endorsements.
This policy is not available to be purchased monoline, and must be purchased in conjunction with the Commercial General Liability policy to form the package.
Approved Classifications:
Indoor/Outdoor Growers
Bakery
Analytical Operations, Assaying
Drug, Medicine or Pharmaceutical Prep Compounding
Food Sundries MFG NOC
Security (unarmed)
Store Wholesale NOC
Store Retail NOC/Delivery
Salesperson Outside
Clerical Office
Coverage Highlights:
Occurrence Form CP-ISO
Named Peril forms
Property limits up to $10,000,000 on a per-location basis
No sub-limit for cannabis or hemp inventory
No Maximum number of locations – add as many locations as you need with no restrictions
Outdoor Business Personal Property is approved
No Exclusion for Sprinkler Leakage
3rd Party Care/Custody/Control (Warehousemans Legal Liability) Up to $1MM with deductible options up to $50K
Form A – $25,000 per peril in policy aggregate – $1,000 per location
Form B – $50,000 per peril in policy aggregate (Money & Securities is $25k sublimit) – $1,500 per location
Form C – $100,000 per peril in policy aggregate (Money & Securities is $25k sublimit) – $2,000 per location
Loss Payee
Equipment Breakdown – Now Available!
EXCESS LIABILITY
The Commercial Excess policy has been specifically designed to meet the needs of the cannabis and hemp industry using both ISO and program specific coverage forms and endorsements.
General Liability must be purchased to qualify for Excess Liability. The Excess Liability does not sit over the Hired Non-Owned Auto endorsement on the General Liability nor does it extend over the Products Liability policy.
Approved Classifications:
Cultivation (Indoor, Outdoor, and Greenhouses)
3rd Party Processors/Harvesters
Manufacturers
Wholesale/Distributors
Retail
Management offices
Landlords – LRO
Smoke Shops
Garden / Hydroponics stores
Coverage Highlights:
Occurrence Form
Follow Form (Extends exclusively over CGL policy)
Minimum Premium $1,000.00
Coverage options:
$1,000,000
$2,000,000
$3,000,000
$4,000.000
PRODUCT LIABILITY
The Products Liability policy has been specifically designed to meet the needs of the cannabis and hemp industry using both ISO and program specific coverage forms and endorsements.
Unlike other markets that offer Products Liability coverage, 100% of our policies are issued without any exclusions to cannabis, hemp, or the derivatives thereof.
Approved Classifications:
Cultivation (Indoor, Outdoor and Greenhouses)
3rd Party Processors/Harvesters
Manufacturers
Wholesale/Distributors
Retail
Garden/Hydroponics stores
Coverage Options:
$100,000/$100,000 Aggregate
$1,000,000/$1,000,000 Aggregate
$1,000,000/$2,000,000 Aggregate
$3,000,000 CSL
$5,000,000 CSL
Deductible Options:
$2,500
$5,000
$10,000
$25,000
Coverage Highlights:
Scheduled Cannabis, Hemp and CBD Products
Non‐Cannabis, Hemp and CBD Products (As Scheduled)
Duty to Defend
Defense Outside of Limits – Available Endorsement Option
Product Withdrawal Reimbursement of Expense (Endorsement is Required)
Minimum Premium ‐ $1,000
Endorsement Options:
Retro Active Date – (up to 5 years)
Additional Insured Certificates
Waiver of Subrogation (no charge)
Primary Wording (no charge)
Vendor AI Certificates $100 ea./$250 Blanket
Commercial Product Withdrawal
Commercial Product Withdrawal Coverage Options:
$100,000 Aggregate
$250,000 Aggregate
Deductible Options:
$1,000 (only offered on $100,000 limits)
$5,000
$10,000
$25,000
WORKERS COMP
Our Workers Compensation Coverage is exclusively for the cannabis and hemp industry. Our program is the only program created for the cannabis industry and is an alternative to the state run comp programs. We provide compensation to employees injured or who become ill during their employment.
Program Highlights:
All Legalized Marijuana States
New Venture/New Hire Accepted
Mid-term Moves Accepted
A+ Rated Carriers
Guaranteed Cost Available
5 Payment Options (Monthly Reporting Available)
Approved Classifications:
Cultivation (Indoor, Outdoor, and Greenhouses)
Processors/Harvesters
Extraction
Manufacturers
Wholesale/Distributors
Retail
Laboratories
CBD & Hemp Operations
Program Minimums:
Premium: $2,500
Submission Requirements:
Acord 130
CV Loss Runs (if Applicable) 3 Years
WC Supplemental
ExMod sheet (If Applicable)
State Issued Cannabis Permit
List of Commonly Owned Entities
Drivers List & MVR’s Required (Delivery Only)
For more information or to get a quote please contact us.
CROP
The Commercial Crop “Living Plants” policy is specifically designed for the cannabis and hemp cultivation industry, which provides unique coverages that no other program offers today. This policy covers the perils of theft and fire and is currently offered to indoor cultivation operations. All seeds, plants, harvested and finished stock must be indoors for coverage to be available.
Crop coverage must be purchased in conjunction with a package policy and is not available monoline.
Approved Classifications:
Cultivation (Indoor and Greenhouses)
3rd Party Processors/Harvesters
Coverage Options:
Seeds
Seedlings
Vegetative Plants
Flowering Plants
Harvested Plants (3rd Party Processors/Harvesters are only eligible for class)
Finished Stock
Deductible Options:
$2,500
$10,000
$50,000
Coverage Highlights:
Minimum Premium $500.00
NO sub-limit on seeds, seedlings, indoor living plants, harvested material and finished stock.
Crop coverage extends when the seeds, seedlings, living plants, harvested and or finished stock is located in an approved scheduled building and or greenhouse.
Any seeds, seedlings, living plants, harvested and or finished stock that is located in an unapproved building and or greenhouse, or is located outdoors, will be excluded from crop coverage
Coverage Options:
Up to $10M per location (no maximum number of locations per policy)
Frequently asked questions about the Texas Homeowner Tax Exemption (Texas Homestead Exemption)
A residence homestead that can qualify for the Texas Homeowner Tax Exemption, can be a separate structure, condominium or a manufactured home located on owned or leased land, as long as the individual living in the home owns it. If the land is owned by the homeowner and used for a purpose related to the residential use of the homestead, a residence homestead can include up to 20 acres, i
Do I, as a homeowner, get a tax break from property taxes?
Do all homes qualify for residence homestead exemptions?
What residence homestead exemptions are available?
How do I get a general $40,000 residence homestead exemption?
May I continue to receive the residence homestead exemption on my home if I move away temporarily?
If I live in a home that has multiple owners, can I qualify for the residence homestead exemption on the home?
What is the deadline for filing a residence homestead exemption?
1. Do I, as a homeowner, get a tax break from property taxes?
You may apply for a Texas homestead exemption or homeowner tax exemption or on your principal residence. Homestead exemptions remove part of your home’s value from taxation, so they lower your taxes.
For example, your home is appraised at $300,000, and you qualify for a $40,000 exemption (this is the amount mandated for school districts), you will pay school taxes on the home as if it was worth only $260,000. Taxing units have the option to offer an additional exemption of up to twenty percent (20%) of the total value.
2. Do all homes qualify for homestead exemptions?
Not all homeowner’s principal residences qualify. To qualify, a home must meet the definition of a residence homestead: The homeowner must be an individual (for example: not a corporation or other business entity) and use the home as his or her principal residence on Jan. 1 of the tax year. An age 65 or older or disabled exemption is effective as of Jan. 1 of the tax year the applicant qualifies for the homestead and applies to the entire tax year.
3. What residence homestead exemptions are available?
There are several types of exemptions you may receive.
County taxes: If a county collects a special tax for farm-to-market roads or flood control, a residence homestead is allowed to receive a $3,000 exemption for this tax. If the county grants an optional exemption for homeowners age 65 or older or disabled, the owners will receive only the local-option exemption.
School taxes: All residence homestead owners are allowed a $40,000 residence homestead exemption from their home’s value for school taxes.
Age 65 or older and disabled exemptions: Individuals age 65 or older or disabled residence homestead owners qualify for a $10,000 residence homestead exemption for school taxes, in addition to the $40,000 exemption for all homeowners. If the owner qualifies for both the $10,000 exemption for age 65 or older homeowners and the $10,000 exemption for disabled homeowners, the owner must choose one or the other for school taxes. The owner cannot receive both exemptions.
Optional age 65 or older or disabled exemptions: Any taxing unit may offer an additional exemption amount of at least $3,000 for taxpayers age 65 or older and/or disabled.
Optional percentage exemptions: Any taxing unit, including a city, county, school, or special district, may offer an exemption of up to 20 percent of a home’s value. But, no matter what the percentage is, the amount of an optional exemption cannot be less than $5,000. Each taxing unit decides if it will offer the exemption and at what percentage. This percentage exemption is added to any other home exemption for which an owner qualifies. The taxing unit must decide before July 1 of the tax year to offer this exemption.
The completed application and required documentation are due no later than April 30 of the tax year for which you are applying. A late residence homestead exemption application, however, may be filed up to two years after the delinquency date, which is usually Feb. 1.
4. How do I get a general $40,000 residence homestead exemption?
For the $40,000 general residence homestead exemption, you may submit an Application for Residential Homestead Exemption (PDF) and supporting documentation, with the appraisal district where the property is located. Once you receive the exemption, you do not need to reapply unless the chief appraiser sends you a new application. In that case, you must file the new application. If you should move or your qualification ends, you must inform the appraisal district in writing before the next May 1st. A list of appraisal district addresses and phone numbers is available online.
Call a Local Texas Insurance Agent today for a homeowner insurance quote and more information on how to save money on a Texas Home insurance policy. (512)339-2901
5. May I continue to receive the residence homestead exemption on my home if I move away temporarily?
If you temporarily move away from your home, you may continue to receive the exemption if you do not establish a principal residence elsewhere, you intend to return to the home, and you are away less than two years. You may continue to receive the exemption if you do not occupy the residence for more than two years only if you are in military service serving inside or outside of the United States or live in a facility providing services related to health, infirmity or aging.
6. If I live in a home that has multiple owners, can I qualify for the residence homestead exemption on the home?
If you are not the sole owner of the property to which the residence homestead exemption applies, one of these ownership situations may apply.
If a married couple qualifies their property for residence homestead exemption, the spouses are treated as community property owners with 100 percent ownership for each spouse.
If you inherited property, you may be eligible as an heir property owner to be considered the sole owner for the residence homestead exemption.
If you have partial ownership but are not married or did not inherit property, the exemption amount is based on the interest you own.
For example, if you own a 50 percent interest in a residence homestead, you will receive only one-half, or $20,000, of a $40,000 residence homestead offered by a school district.
7. What is the deadline for filing a residence homestead exemption?
The completed application and required documentation are due no later than April 30 of the tax year for which you are applying. A late residence homestead exemption application, however, may be filed up to two years after the delinquency date, which is usually Feb. 1.
SR22 insurance fraud, can I keep Car insurance with my current agent?
We get that question all the time. Someone will call and ask for an SR22. But they want to keep their car insurance with their current company. Is that SR22 Insurance Fraud?
Here is what you need to know:
An SR22 is a “certificate of financial responsibility” that is filed by your insurance company confirming that you have the minimum liability limits in your state.
In order to get an SR22, you must purchase minimum liability from the insurance company.
It may not be illegal to take out two insurance policies on the same car but which policy will pay in the event of a claim? Making two claims with two different insurance companies for the same accident may be considered insurance fraud. Is it worth the risk?
If you own a vehicle, you can not purchase “non-owners” insurance. If your attorney or agent are suggesting that, find another agent.
Having full coverage with one company and then getting an SR22 filing with another company, could put you and your vehicle at risk. One policy may cancel out the other. And if you have full coverage, that’s not the policy you want canceled if your car has been involved in an accident.
Insurance companies generally have policies discouraging the practice of double insuring a vehicle
It’s best to find an insurance policy that will affordably insure you and your vehicle with the SR22 filing.
In the insurance world, double-dipping is called unjust enrichment. This occurs when you get into a car accident and file claims with both of your insurance companies in an attempt to give yourself a financial windfall. Whether you mean to or not. If you are involved in an accident, which proof of Insurance are you going to provide. The one that DPS has on file showing your SR22, or the other one that shows you have full-coverage.
If both of your car insurance claims are approved, you or the claimants might get twice the money for the accident than you would normally receive.
Once you have the checks, and you decide to repair your vehicle with the first settlement and keep the second for your own financial gain. This is absolutely illegal and constitutes insurance fraud. You may even be charged with a felony.
Don’t risk it. If you are still not sure what an SR22 is, please call our office and one of our agent ‘s will review the details with you.
Understanding insurance coverages will help make choosing the right agent, coverage and company a breeze. Austin Insurance Group is here to help you make sense of your insurance.
The Texas Personal Auto Insurance Policy offers eight types of coverage. Each coverage only pays up to the dollar limit chosen for that coverage. Understanding insurance coverages, read more below.
Liability Coverage: The current Texas state minimum for liability insurance is $30,000 per person / $60,000 per incident for bodily injury, along with $25,000 for property damage. This coverage pays for other people’s expenses for accidents caused by drivers that are covered under your policy.
Uninsured/Underinsured Motorist (UM/UIM) Coverage: UM/UIM pays your expenses when an accident is caused by an uninsured motorist or an underinsured motorist driver whose liability limits were insufficient to cover your bills. It also pays for damages caused by a hit-and-run driver in accidents that are reported promptly to the police.
Medical Payments Coverage: Medical payments insurance covers the cost of doctors, hospitals and funeral expenses for you and/or your passengers that are a result from an accident, regardless of who was at fault.
What does PIP auto insurance cover?
This is an optional car insurance coverage that covers medical expenses and, in many cases, lost wages. It is often called “no-fault” coverage because it pays out claims to anyone in the covered vehicle, regardless of who is at fault in the accident.
Personal Injury Protection (PIP) Coverage: PIP is basically medical payments coverage plus coverage for lost income and the cost of hiring a caregiver for an injured person. PIP is automatically included in the Texas personal auto policy unless rejected in writing by the applicant.
What does PIP stand for? Personal Injury Protection – A feature of automobile insurance that covers the health care expenses associated with treating injuries sustained in a car accident.
Collision (Damage to Your Car) Coverage: Collision coverage pays for damage to your own auto that results from having an accident with another vehicle or object, regardless of fault. Payment is limited to your car’s actual cash value, less your deductible. Actual cash value is the market value of a car like yours before it was damaged.
Comprehensive (Physical Damage Other than Collision) Coverage: Comp coverage pays for damages that are caused by something other than a collision. This includes theft and vandalism, and disasters such as fire, flood, hail or hitting an animal. Like Collision, Comprehensive pays Actual cash value minus your deductible.
Towing and Labor Coverage: Towing and Labor pays for towing charges when your auto can not be driven, plus it includes labor charges, like changing a tire, at the site of the disablement.
Rental Reimbursement Coverage: Rental car coverage pays a set daily amount for a rental car if your car is stolen or is being repaired because of damage covered on your policy.
Homeowners Insurance
There are two basic types of homeowners insurance policies – “named peril” and “all risk” policies. Named peril policies, such as the HO-A Plus form, will only cover the perils that are specified in the policy. All risk policies, such as the HO-3 form, will cover everything that is not specifically excluded in your policy. If you compare the inclusions in a named perils policy side-by-side with the exclusions in an open perils policy, you’ll find that the two types provide basically the same level of protection with the exception of options and endorsements. Two important ones are foundation coverage and water backup.
Austin Insurance Group will quote companies who provide both types of policies, however, we highly recommend “all risk” policies.
Flood Insurance
Floods are not covered under any home insurance policy. Flood insurance is written as a separate policy and FEMA regulates the premiums. If your home is in a flood zone, you will need to provide an elevation certificate in order to provide a quote. Most mortgage companies will require flood insurance for homes in a flood zone, and they often have elevation certificates on hand. If your home is not in a flood zone, there is a flat pricing structure.
Umbrella Insurance
Umbrella insurance provides added liability coverage beyond the liability on your home and auto insurance policies, usually in increments of $1 million, $2 million or $5 million. Umbrella insurance policies are typically tied to an auto policy, but we can also quote umbrella coverage for customers who need a stand alone policy. Most companies require $250,000/$500,000 auto liability limits and $300,000 in liability on your home policy as underlying limits. When you are involved in a liability claim that exceeds the limits on your underlying (auto or home) policies, that’s when the umbrella kicks in and pays up to the limit chosen.
Did you know that our Progressive Deductible Savings Benefit can help you save on out-of-pocket claim costs on your auto insurance deductible savings account?
Who can enroll
To enroll in the Deductible Savings Bank, a customer must have both:
Collision and Comprehensive coverages on at least one vehicle, and
$495 Deductible on all vehicles
How it Works
When a customer stays accident- and violation-free, he or she will earn a $50 “deposit” in the Deductible Savings Bank. For each accident- and violation-free policy period, we’ll deposit another $50.
The savings can help offset the cost of future Comprehensive or Collision deductible costs.
The balance in the Deductible Savings Bank will be communicated at each policy renewal.
Payment for a Claim
If Progressive makes a payment for a claim under Comprehensive coverage or Collision coverage for any vehicle, then the applicable deductible will be reduced by the amount in the Deductible Savings Bank.
All additional claims that we pay under Comprehensive coverage and Collision coverage during the same policy period will be subject to the same reduced deductible.
At the next renewal, the balance in the Deductible Savings Bank will be reduced by the amount applied to all auto insurance deductible savings during the previous policy period.
How to Get Started
Call our office to find out how much it will cost to add it to your existing policy or with any other questions or concerns. (512)339-2900
(512)339-2900
# 1 Local Platinum Progressive Agent – Austin Insurance Group
2521 Rutland Dr #150 (at the corner of Burnet Rd & Rutland), Austin, TX 78758
13402 Anderson Mill Rd, Cedar Park, TX 78613 (by appointment only)
Best Texas Insurance Agent (austinsurance) in AustinTX and CedarParkTX. Compare auto and home insurance rates with multiple companies from one local agent. Follow Austin Insurance Group on instagram @austinsurance. ATX.
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Uber requires all of their drivers to have car insurance. Even though they provide supplemental insurance coverage, they only provide coverage while their app is on. Buy Uber car insurance now.
Here’s how it works: When the Uber app is off, a driver is covered by their own personal car insurance. When the Uber app is turned on, a low level of liability insurance becomes active.
Austin Insurance Group provides insurance for Uber drivers along with other rideshare drivers for Lyft etc. We provide this coverage through Progressive insurance and we require the following:
