Do you write new authorities?
Yes. We write trucking businesses with active authority less than 12 months old through new-venture programs at Cover Whale, Nirvana, Progressive, and other partner carriers.
Trucking
Trucking insurance for IL and TX motor carriers
Built for owner-operators, small fleets, and growing motor carriers — not adapted from a personal-lines product.
Trucking is the segment Riskara was built around. Our AI engine knows the appetite of every trucking carrier we represent — which one writes new authority, which one wants 5+ years experience, which one writes hazmat, which one will take a recent CDL violation. We match your operation to the carriers most likely to underwrite it, then negotiate the rate.
Owner-operators
Whether you're leased to a motor carrier or running under your own authority, we write primary liability, motor truck cargo, physical damage, and non-trucking liability (bobtail). One unit, one driver, one quote.
Small to mid-size fleets
From 2 to 50 units. We aggregate driver and vehicle data into the format each carrier needs, run quotes in parallel, and present ranked options. Most fleets see meaningful savings versus their renewal — especially when their incumbent carrier has been raising rates across the book.
Operation types we cover
Long-haul (500+ miles), regional, local (under 50 miles), intermodal, drayage, last-mile, and dedicated lanes. General freight, flatbed, refrigerated, tanker, dump, auto hauler, livestock, and specialized.
FMCSA & DOT compliance support
We file MCS-90 endorsements where required, BOC-3 process agent designations, and update FMCSA insurance filings within FMCSA's mandated timeframes. We don't replace a compliance consultant, but we keep your insurance side current.
Trucking coverages we write
- •Primary liability ($750K – $2M, $5M for hazmat)
- •Motor truck cargo
- •Physical damage on tractors and trailers
- •Non-trucking liability / bobtail / deadhead
- •Hired and non-owned auto
- •Trailer interchange
- •General liability
- •MCS-90 federal endorsement
- •Excess and umbrella layers
- •Reefer breakdown coverage
Trucking insurance FAQs
Can you write me if I have a CDL violation or accident?
Usually yes. Carriers underwrite differently — some won't write a CDL holder with a recent at-fault accident, but others (including non-standard programs) will. We know which is which.
Do you write hazmat haulers?
Yes, for placardable hazmat at $5,000,000 federal minimum where applicable. We need detailed commodity information and driver hazmat endorsement details.
How quickly can you bind coverage?
Same day for most owner-operator policies once we have a quote accepted, loss runs verified, and payment arranged. Fleets typically bind within 48 hours of acceptance.
Can you file my MCS-90?
Yes. We file MCS-90 endorsements with the FMCSA where applicable and update your insurance-on-file with FMCSA the day your policy binds.
By city
Local pages for each market we serve.
Free tool for owner-operators
Trucking Rate Per Mile Calculator
Enter your fuel, truck payment, insurance, and miles to see your true cost per mile and the rate you need to charge to break even and turn a profit. No sign-up required.
Get a trucking insurance quote
Owner-operator or 50-unit fleet — upload your USDOT info and loss runs and we'll come back fast.
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