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McKnight Insurance

Insurance Insights

Practical guidance on coverage, risk, and protecting what you've built — written for Texas businesses and families.

ATV and Off-Road Vehicle Insurance in Texas: What Riders Need to Know

ATVs, UTVs, and dirt bikes aren\'t covered by your auto policy — and your homeowners policy won\'t help if you\'re injured or cause damage on the trail. Here\'s what you need.

June 18, 20264 min readRead article

Boat Insurance

Boat Insurance in Texas: What Lake and River Owners Need to Know

Texas has more registered boats than almost any other state. But most boat owners don\'t realize how little their homeowners or auto policy actually covers on the water.

Jun 18, 20264 minRead

Auto Insurance

Car Insurance in Texas: What the State Requires and What You Actually Need

Texas minimum liability limits are among the lowest in the country — and they leave most drivers dangerously underinsured. Here is what a complete auto policy looks like.

Jun 18, 20264 minRead

$Homeowners Insurance in Texas: What Your Policy Covers — and What It Doesn\'t$

Homeowners

Homeowners Insurance in Texas: What Your Policy Covers — and What It Doesn\'t

Texas homeowners face unique risks — hail, wind, flooding, and foundation movement. Standard policies cover some of these and exclude others. Here is what you need to know.

Jun 18, 20265 minRead

$Personal Umbrella Insurance in Texas: The Coverage Most People Don\'t Know They Need$

Personal Umbrella

Personal Umbrella Insurance in Texas: The Coverage Most People Don\'t Know They Need

A serious accident, a dog bite, a pool incident — any of these can generate a lawsuit that exceeds your auto or homeowners limits. A personal umbrella policy is the most cost-effective protection most Texas families aren\'t carrying.

Jun 18, 20264 minRead

$RV Insurance in Texas: Why Your Auto Policy Isn\'t Enough$

RV Insurance

RV Insurance in Texas: Why Your Auto Policy Isn\'t Enough

An RV is part vehicle, part home — and standard auto insurance treats it like neither. Here is what a proper Texas RV insurance policy covers and why it matters.

Jun 18, 20264 minRead

Commercial AutoContractors & Trades

Hired and Non-Owned Auto Insurance: The Coverage Gap Most Texas Businesses Don''t Know They Have

If your employees ever drive their own cars for work — even just to pick up supplies — you have liability exposure your commercial auto policy does not cover. Here is the fix.

Jun 15, 20267 minRead

Workers' CompContractors & Trades

Workers'' Comp Audit: What Texas Contractors Should Expect (and How to Prepare)

A workers'' comp audit can result in a bill for thousands of dollars — or a refund. How it goes depends almost entirely on how well you prepared. Here is what to do.

Jun 15, 20267 minRead

General LiabilityProfessional Liability

General Liability vs. Professional Liability: Which One Do You Actually Need?

Most Texas businesses need both — but they cover completely different things. Here is how to tell them apart and why having only one leaves you exposed.

Jun 15, 20267 minRead

Commercial AutoTrucking

Commercial Auto Insurance in Texas: What Every Small Business Needs to Know

Your personal auto policy will not cover an accident that happens while you are working. Here is what commercial auto insurance actually covers — and what it does not.

Jun 15, 20267 minRead

Contractors & TradesGeneral Liability

How to File a Business Insurance Claim in Texas (Step by Step)

A claim filed wrong — or too late — can cost you the payout you earned. Here is exactly how to file a business insurance claim in Texas and protect your settlement.

Jun 15, 20267 minRead

$Commercial Property Insurance for Texas Small Businesses: What It Covers and What It Doesn\'t$

Property & AssetsCommercial Property

Commercial Property Insurance for Texas Small Businesses: What It Covers and What It Doesn\'t

Your building, your equipment, your inventory — commercial property insurance protects the physical assets your business depends on. Here is what Texas small business owners need to know before a loss happens.

Jun 15, 20267 minRead

Contractors & TradesGeneral Liability

GL Certificate Requirements GCs Actually Enforce

Your bid looks great — until the GC pulls your certificate and your limits come up short. Here is exactly what general contractors require and why it matters.

Jun 15, 20266 minRead

LandscapingGeneral Liability

Landscaping Insurance in Texas: What Lawn Care and Landscape Companies Need to Know

From chemical application exclusions to equipment coverage gaps, landscaping companies in Texas face risks that standard policies often miss. Here is what a complete program looks like.

Jun 15, 20266 minRead

HospitalityLiquor Liability

Liquor Liability Insurance for Texas Bars, Restaurants, and Event Venues

If your business serves or sells alcohol in Texas, general liability alone will not protect you. Here is what liquor liability covers, what it costs, and why the TABC makes it non-negotiable.

Jun 15, 20266 minRead

Pool ContractorsGeneral Liability

Swimming Pool Contractor Insurance in Texas: Coverage for Builders, Service Techs, and Remodelers

Pool contractors face unique liability exposures — from construction defects to chemical spills to completed operations claims years after the job. Here is the coverage program that actually protects your business.

Jun 15, 20266 minRead

Tree ServiceWorkers' Comp

Tree Service Insurance in Texas: What Coverage Arborists and Tree Care Companies Actually Need

Tree work is one of the highest-risk trades in Texas. The right insurance program covers your crew, your equipment, and your liability — here is what that looks like in practice.

Jun 15, 20266 minRead

RoofersWorkers' Comp

Why Texas Roofers Need Workers' Comp Even With a Small Crew

Texas is the only state that doesn't require workers' comp — but for roofing contractors, skipping it is one of the most expensive decisions you can make.

Jun 10, 20264 minRead

TruckingCommercial Auto

Motor Truck Cargo Insurance: What It Covers and What It Doesn't

Truckers assume their cargo is covered. Then a load gets damaged and they find out their policy has exclusions they never knew about. Here's how to read your cargo coverage before a claim.

Jun 8, 20265 minRead

Small BusinessGeneral Liability

How to Read Your Insurance Audit — and Avoid a Surprise Bill

Most small business owners don't know their GL and workers' comp policies are auditable until they get a bill for additional premium. Here's how audits work and how to prepare.

Jun 5, 20265 minRead

Independent AgentInsurance Tips

Independent Agent vs. Captive Agent: What the Difference Actually Costs You

When you buy insurance through a captive agent, you're getting one company's answer to your coverage question. Here's why that matters — and what you give up.

Jun 3, 20265 minRead

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