Protecting Your Trucks & Trailers: Commercial Auto Insurance for Landscaping Companies

If you own a landscaping or irrigation business in Texas, chances are your trucks and trailers are on the road every single day. They’re hauling mowers, irrigation parts, mulch, stone — and your entire operation depends on them.

But here’s the truth: your personal auto policy won’t cover you if one of your business vehicles is in an accident while on the job. That’s where commercial auto insurance comes in.

What Is Commercial Auto Insurance?

Commercial auto insurance protects vehicles owned or used by your business. It covers liability for injuries or property damage you cause in an accident, plus physical damage to your own vehicles from collisions, theft, or other hazards.

It can also extend to:

• Employee drivers
• Trailers attached to covered vehicles
• Permanently attached equipment (e.g., spray tanks, tool racks)

Why Landscapers Need It

Landscaping companies face unique vehicle risks:

• Frequent travel between job sites — More miles means higher accident potential.
• Towing heavy trailers — Increases wear, tear, and accident risk.
• Hauling valuable equipment — Theft or damage can be costly.
• Operating in tight neighborhoods — Backing up near client property can lead to damage claims.

Without commercial auto coverage, one at-fault accident could put your business in a financial tailspin.

What Does Commercial Auto Cover?

A well-structured policy typically includes:

• Liability coverage — For bodily injury and property damage to others.
• Collision coverage — Repairs to your own vehicles after an accident.
• Comprehensive coverage — Non-collision events like theft, fire, hail, or vandalism.
• Uninsured/underinsured motorist coverage — Protects you if another driver has little or no insurance.
• Medical payments — Covers treatment for injuries to you or your passengers.

Common Gaps to Watch Out For

Not all commercial auto policies are equal. Some important considerations for landscapers:

• Are your trailers and the equipment inside covered?
• Do you have hired/non-owned auto coverage for employee-owned vehicles used for work?
• Are seasonal or temporary vehicles included?

Local Knowledge Matters

In the DFW area, your vehicles face unique challenges:

• Heavy highway traffic
• Sudden Texas storms and hail
• Theft risks in urban areas

A local insurance partner who knows the area can make sure you’re covered for these specific hazards.

McKnight Insurance: Built for Service Businesses Like Yours

At McKnight Insurance, we work with landscaping and irrigation companies every day. We:

• Match you with carriers who understand your industry
• Customize policies for your fleet size and operations
• Review coverage regularly as your business grows

Whether you operate two trucks or a full fleet, we’ll make sure your vehicles — and your livelihood — are protected.

Keep Your Business Rolling

One accident can sideline your trucks, crews, and income. Commercial auto insurance keeps you moving, no matter what’s down the road.

Need guidance? Contact McKnight Insurance to speak with a local agent about commercial auto coverage for your landscaping or irrigation business.