In the years in which I had purchased general and professional errors and omissions liability insurance through KHT Insurance, I received nothing less than 1st class service from their organization.
John Shanahan
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Commercial Auto Insurance
Coverage for the vehicles that keep your business moving
Personal auto policies exclude business use. If your company owns, leases, or uses vehicles for work, commercial auto covers the liability and physical damage — and we shop it with multiple insurance companies to fit your fleet, whether it's one truck or (twenty) one hundred.
What Commercial auto covers
Business vehicles need business coverage.
Commercial auto insurance covers the vehicles your business owns, leases, or and the drivers who operate them. If a company vehicle is involved in an accident, the policy covers your liability for injuries and property damage to others, plus physical damage to your own vehicles. It's the commercial equivalent of a personal auto policy, built for the higher exposures a business carries.
The critical point many owners miss is that a personal auto policy will not respond to a business-use claim. If an employee causes an accident while driving for work — even in their own car — the gap can land squarely on the business. Commercial auto, together with hired and non-owned auto coverage, is what closes that gap.
Fleets vary enormously, from a single service van to a mix of trucks, trailers, and executive vehicles, and pricing follows the risk: vehicle types, radius of operation, cargo, and driver records all factor in. Matching that specific profile to the carrier that prices it best is where shopping the market pays off.
Liability
Injuries and property damage your business vehicles cause to others.
Physical damage
Collision and comprehensive coverage for your own vehicles.
Hired & non-owned auto
Exposure from rented vehicles and employees driving personal cars for work.
WHO IT's FOR
Businesses with property to protect.
Any business that uses vehicles for work has commercial auto exposure — even when employees drive their own cars for business errands.
● Delivery & distribution
● Service & repair businesses
● Sales teams on the road
● Landscapers & haulers
● Any company with a work vehicle
Why place it through KHT
Specific things we do that most agencies don't.
Early renewal quotes
We quote your renewal well ahead of expiration — giving you time to review and compare, not a take-it-or-leave-it the day before.
Multiple insurance companies, lowest qualified quote
We shop across markets and recommend the best-fit, best-priced option.
Owners on your account
An established, owner-led team. When you call, you speak directly with the people responsible for protecting your business.
Getting a Quote
Straightforward from here.
1
Tell us about your business
Start a quote request or call. We’ll confirm exactly what your business needs.
2
We shop your coverage
We quote it with multiple insurance companies and compare the options side by side.
3
We recommend the best option
You get our recommendation with the lowest possible price, explained in plain terms.
Insurance you don't have to think about.
Very responsive agency. They have great staff and are willing to help find the best policy out there for home, auto, commercial, flood - anything you need. We've worked with them for years and can't say anything negative about their service.
Turning Point Counseling
You can buy insurance anywhere, but what sets KHT apart from the rest is service, and they are the best. The best compliment you can pay is when you are asked 'who do you have your insurance with' say KHT!
Buddie Hrabal
You will not be playing phone tag with their answering machine. KHT is always there to answer questions and to find the best deals for us.
Stan Mullin
Price is right, efficient and good to deal with.
Michael Robinson
Excellent customer service and knowledgeable agents.
Dianne Young
Great and timely service from the KHT team.
Ben Ginnetti
Been with KHT since 1998 for my insurance. Absolutely the best!
Tommy Anderson
KHT provides wonderful service! I highly recommend them for your insurance needs.
Carmen Nelon
common questions
The questions we hear the most
No. Personal auto policies exclude regular business use, and a claim can be denied on that basis. If a vehicle is used for your business, it needs commercial auto coverage.
It covers vehicles your business doesn't own but uses — rentals, and employees' personal cars driven for work. Without it, a business-use accident in an employee's own vehicle can expose the company directly. We usually recommend it even for businesses with no owned vehicles.
Yes — drivers you authorize are covered while operating covered vehicles for business. Driver records affect your pricing, which is why carriers look at who's behind the wheel.
By the vehicles, their use, where and how far they travel, what they carry, and your drivers' records. The most reliable way to a real number is to let us shop it. Start a quote or call and we'll compare your options.
Get your commercial auto quote.
Tell us about your business and we'll shop it — or call and talk it through with the people who'll actually handle your account.
Fort Worth, TX
817-336-2721 · 800-814-6470
info@khtinsurance.com
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