Business Insurance / Commercial Auto & Trucking
Commercial Auto & Fleet Insurance for Texas Businesses.
The moment a vehicle is used for business, personal auto insurance stops protecting you. We help business owners across Texas build commercial auto programs that actually cover what they need — one truck or an entire fleet.
Why Businesses Choose McKnight for Commercial Auto
Your vehicles are one of your biggest assets. Make sure they're actually protected.
Commercial auto insurance is one of the most misunderstood coverages in small business. A lot of business owners assume their vehicles are covered — either because they have a personal policy or because they have a general liability policy. Neither covers your trucks, vans, or company vehicles when they're being used for work. That gap shows up when you need it most: after an accident.
Our team comes from business ownership backgrounds in contracting, trucking, and the trades. We work with contractors, service companies, delivery operations, hotshot carriers, and any business running vehicles as part of how they operate — across Texas from DFW to Houston, San Antonio, Austin, and beyond. We build commercial auto programs that match how you actually run your business.
"Getting the right commercial auto coverage isn't complicated — but it does require an agent who asks the right questions about how your business actually runs."
Whether you have one work truck or a mixed fleet, whether your drivers are employees or owner-operators, whether you haul cargo or just move people and equipment — the coverage needs are specific and they matter. We get into the details so the right policy is in place before something happens, not after.
Fleets of all sizes, covered right
One truck or twenty — we build the right program and make sure every vehicle and driver is properly scheduled and covered.
Talk to a specialist →Same-day certificates of insurance
Need proof of commercial auto coverage to land a contract today? We turn certificates around same day, every time.
Call 817.277.6166 →Real people — actually reachable
When something happens on the road, you need answers fast. When you call McKnight, a person picks up — not a queue, not a chatbot.
Meet our team →Real Risks. Real Scenarios.
The vehicle situations that catch business owners off guard.
These aren't hypotheticals. These are the calls we get from business owners across Texas.
Personal auto denies a claim on a work vehicle
An employee has an accident on the way to a job site. Their personal insurance denies the claim because the vehicle was being used for business. Now your business is on the hook for damages, injuries, and legal exposure — without the coverage to handle it.
An unlisted driver causes an accident
A driver not listed on your commercial policy gets into an accident in a company vehicle. Depending on how your policy is written, this can complicate or void the claim. Every driver on your payroll needs to be properly scheduled — not just assumed to be covered.
Cargo or materials lost with no coverage
Your business hauls materials or equipment for a client. Something is lost, stolen, or damaged in transit. Your commercial auto policy doesn't cover what's inside the vehicle — that requires separate cargo coverage. Without it, you're replacing it out of your own pocket.
A rented or borrowed vehicle in an accident
An employee rents a vehicle for a business trip or borrows a truck to move equipment. If there's an accident, your primary commercial auto may not extend to that vehicle. Hired and non-owned auto coverage fills this gap — and a lot of businesses don't know they need it.
A serious accident that exceeds your limits
Commercial vehicles are involved in serious accidents. When damages — injuries, property, legal costs — exceed your primary liability limits, you're personally responsible for the difference. An umbrella policy absorbs that excess and costs far less than most business owners expect.
Fleet growth that outpaces your coverage
You started with two trucks and now you have eight. If your policy wasn't updated along the way, some vehicles may not be properly covered. A policy written for a small operation doesn't automatically stretch to cover a growing fleet.
Coverage Recommendations
A complete commercial auto insurance program — not just a policy.
Commercial auto for a business isn't one policy — it's a set of coverages that work together. Here's how we build a program that covers your vehicles, your drivers, your cargo, and your liability on the road.
Commercial Auto Insurance
Covers liability, collision, and comprehensive for your business-owned vehicles. Required by Texas law for any vehicle used for business — personal auto won't cover a work-related accident.
Learn more →Motor Truck Cargo Insurance
Covers freight, materials, or cargo your business hauls for clients against loss, theft, or damage in transit. Your commercial auto policy doesn't cover what's inside the vehicle.
Learn more →Hired & Non-Owned Auto
Covers your business liability when employees use rented or personal vehicles for work. More businesses need this than realize it — most find out when it's too late.
Learn more →Trailer Interchange
Covers physical damage to trailers you don't own while in your care, custody, and control. Without it, damage to a borrowed trailer comes directly out of your pocket.
Learn more →Physical Damage Coverage
Covers your vehicles from collision, fire, theft, and vandalism. Liability pays for what you do to others — physical damage pays to fix or replace your own vehicle after a covered loss.
Learn more →Auto Umbrella / Excess
When a vehicle accident exceeds your primary liability limits — and serious accidents often do — umbrella coverage absorbs the excess. An essential layer for any business running multiple vehicles.
Learn more →Common Mistakes We See
What your current vehicle coverage might be missing.
Relying on personal auto for business use
The most common and most dangerous mistake we see. The moment a vehicle is used for a business purpose, personal auto typically excludes coverage. An accident on the way to a job site is a business exposure — it needs commercial auto coverage.
Not scheduling every vehicle and driver
Every vehicle your business owns and every driver on your payroll needs to be properly listed. A vehicle or driver that isn't scheduled can create serious coverage problems if they're involved in an accident.
Skipping cargo coverage because "we're not a carrier"
Many businesses haul materials or client equipment without thinking of themselves as carriers. If something in your vehicle is lost or damaged and it belongs to a client, commercial auto won't cover it. That requires separate cargo coverage.
Not updating coverage as the fleet grows
Adding vehicles without updating your policy is one of the most common gaps we find. A policy built for three trucks doesn't automatically extend to five. Every addition needs to be properly added — including new drivers.
Carrying limits that won't hold up in a serious accident
State minimums rarely cover the real costs of a serious commercial vehicle accident. Medical costs, property damage, lost wages, and legal fees add up fast. We help you think through the right limits for your operation before you find out the hard way they weren't enough.
No coverage for rented or employee-owned vehicles used for work
If an employee rents a vehicle or uses their personal truck for work and there's an accident, your commercial auto may not respond. Hired and non-owned auto fills that gap — and most businesses don't know they need it until it comes up.
FAQ
Questions business owners ask us about commercial auto.
Trucking Insurance Insights
What Texas truckers need to know about cargo coverage, commercial auto, and protecting every load.
Get Started
Let's make sure your vehicles — and your business — are actually covered.
Whether you have one work truck or a full fleet, we'll take the time to understand how your business operates and build a commercial auto program that covers what matters. No pressure. No jargon. Just straight answers.
Serving businesses across Texas · Same-day certificates available · In-person appointments welcome