Houston · Greater Houston

Commercial auto insurance in Houston, TX

Harris County · Served by Riskara Insurance Group

Houston's commercial-auto market is shaped by the petrochemical industry, the Port of Houston, and the city's nonstop construction sector. We write commercial auto for Houston contractors, oilfield-services fleets, construction equipment haulers, last-mile delivery operations, and the small-fleet businesses that keep the metro running.

Why Houston is different

  • Contractor commercial auto for Houston's petrochemical and refining buildouts.
  • Oilfield-services fleet coverage at competitive Texas rates.
  • Last-mile and delivery fleet specialty for the Houston metro.
  • TxDMV intrastate authority filings and FMCSA filings.
  • Carriers with Houston appetite: Progressive Commercial, Northland, Cover Whale.

Coverages we write

  • Primary liability ($750K – $2M+)
  • Motor truck cargo
  • Physical damage (tractor, trailer, equipment)
  • Non-trucking liability / bobtail
  • Hired and non-owned auto
  • General liability
  • Trailer interchange
  • Excess / umbrella liability
  • Workers' compensation (referrals)
  • Occupational accident

Houston Commercial Auto FAQs

Do you write commercial auto for refinery and petrochemical contractors?

Yes. Refinery and chemical-plant contractor fleets — turn-around crews, maintenance, instrumentation, scaffolding — are a recurring class for us. Most are written through standard commercial carriers; high-hazard contracts may require excess liability.

Is oilfield commercial auto different from oilfield trucking insurance?

Yes. Oilfield-services trucks (tank, sand, water) are a trucking class; oilfield-related commercial autos (crew trucks, supervisor pickups, support vans) are standard commercial auto. We write both, often on the same insurance schedule.

Do contractors in Houston need higher liability limits than in other Texas cities?

Often, yes. Refinery and petrochemical clients frequently require $5,000,000 or $10,000,000 of liability via excess or umbrella layers. We structure the program to match the contracts.

Nearby pages

Ready for a Houston quote?

Upload your USDOT info, fleet schedule, and loss runs — we'll come back with quotes within 48 hours.

Start My Quote