Risk Intelligence
Combining data, analytics, and industry expertise to uncover risks and opportunities before they impact your business.
Commercial & Personal Auto
Auto Insurance in Texas for Every Vehicle Your Business and Your Life Depend On.
Whether your vehicles are on a job site, on a delivery route, or parked in your driveway, the right auto insurance program needs to reflect how they are actually used. We structure auto coverage for Texas businesses with commercial fleets, company vehicles, and employee-used cars.
Hired
& non-owned
MCS-90
Filings in-house
Cargo
Motor truck
Telematics
Fleet-aware
Our approach
We pair developer-grade analytical infrastructure with senior advisory to deliver risk programs that support operational continuity and capital efficiency.
Strategic Coverage
Transparent insurance solutions tailored to your operations, assets, and long-term objectives.
Long-Term Partnership
A relationship-focused approach built on trust, advocacy, claims support, and ongoing risk advisory services.
Why Benchmark
The Benchmark Difference, in Numbers.
42
States LicensedCoast to coast
$6B
In Property ValuesInsured & protected
4,000
Loyal PartnersAnd growing
100+
A+ Insurance MarketsTop-rated carriers
Where Auto Programs Bleed Premium
Commercial Auto Built Around How Your Vehicles Actually Operate.
Auto is the line that most brokers re-quote without restructuring. We pull driver MVRs, telematics output, and contract language before going back to market.
Motor carrier and freight
MCS-90 filings, cargo, refrigerated breakdown, and driver-by-driver underwriting.
Property managers and trades
Mixed-use fleet structured with hired and non-owned for one-off rentals and 1099 work.
1099 contractor exposure
Non-owned auto plus contingent liability layered against employer practices and comp.
Principal coverage
High-limit personal auto integrated with the business umbrella so the executive does not get exposed by a personal accident.
Coverage highlights
Auto
Coverage
Liability and physical damage
Power-unit liability with collision and comprehensive placed at the actual vehicle values.
Coverage
Hired and non-owned auto
HNO for short-term rentals, 1099 contractors, and employee use of personal vehicles for business.
Coverage
MCS-90 filings
Motor carrier filings managed in-house for interstate operators and for-hire fleets.
Coverage
Cargo and motor truck cargo
Cargo limits and conditions structured against freight value, commodity mix, and shipper requirements.
Coverage
Underinsured and uninsured motorist
UM and UIM placed at limits that match your actual exposure to third-party drivers.
Coverage
Telematics integration
Telematics output reviewed at renewal so high-frequency drivers and dispatch patterns get addressed.
Built For
Fleet operators across power-unit and service segments.
Whether you run 5 service vans or 100 power units, the auto program should reflect how the vehicles actually move. Our auto practice structures for both ends of the spectrum.
- Motor carriers and trucking fleets
- Construction and trades service fleets
- Last-mile delivery and 1099 contractor fleets
- Property management service vehicles
- Energy services and oilfield fleets
- Executive and personal auto for principals
What Sets Us Apart
Driver-by-driver
MCS-90 capable
HNO and 1099
Telematics intervention
Underwriting from dispatch data, not application defaults.
MVR aware
Underwriting built around the actual driver mix and tenure, not aggregated class-code defaults.
Filings handled
Motor carrier filings managed in-house. Cross-state and cross-border coordination handled.
Last-mile aware
Hired and non-owned coverage structured against 1099 contractor exposure and gig delivery operations.
Renewal leverage
Cohort-based intervention on high-frequency drivers pulls down loss runs and improves renewal pricing.
Methodology
The Benchmark Protocol
01
Discovery
Deep-dive audit of your operation, exposures, and historical loss runs to identify coverage gaps.
02
Market Analysis
Leveraging carrier relationships to benchmark your program against the highest industry standards.
03
Proposal
Structured coverage architecture and disclosure-first balance sheet efficiency with institutional protections.
04
Partnership
Ongoing stewardship, risk control, and advisory that scales with your growth.
Auto advisory
Power-unit count is not a program. The way they dispatch is.
Tell us how the fleet runs and where it goes. We will structure auto, hired and non-owned, and the umbrella to match.
Common Questions
Frequently Asked Questions.
What is the difference between personal and commercial auto?
Personal policies cover private vehicles and typically exclude business use. Commercial auto covers vehicles used in business operations.
Do I need commercial auto if I use my personal vehicle for work?
If you regularly use your personal vehicle for business activities, your personal policy likely excludes those trips. Non-owned auto coverage addresses this.
What is hired auto coverage?
Hired auto covers your business when you rent or hire vehicles for business use. Standard commercial policies do not automatically extend to rented vehicles.
How does fleet insurance work?
A fleet program insures all vehicles under a single policy. Simplifies administration, delivers consistent coverage, and often produces better pricing.
What is agreed value coverage for vehicles?
Agreed value means the insured amount is locked in at policy inception. If a total loss occurs, you receive that full amount without depreciation.
How are commercial auto premiums calculated?
Factors include number and type of vehicles, driver records, annual mileage, vehicle use, industry, and claims history.
Does commercial auto cover damage to the vehicle?
Yes, through physical damage coverage which includes collision and comprehensive. Needs to be specifically structured for each vehicle.