Everything drivers, owner-operators, fleets, and contractors ask us most.
Riskara Insurance Group is an AI-native, licensed insurance brokerage serving Illinois and Texas. We represent dozens of A-rated carriers and use an internal AI engine to match each client to the best fit for their profile — personal auto, commercial auto, trucking, or fleet insurance.
We currently serve Illinois (IL) and Texas (TX) and are actively expanding to additional states.
Personal auto insurance, commercial auto insurance for businesses and contractors, trucking insurance, and fleet insurance.
Riskara represents Progressive Commercial, GEICO, Northland Insurance (Travelers), Berkshire Hathaway, Cover Whale, Nirvana, plus additional A-rated national and regional carriers across personal lines, commercial auto, trucking, and fleet markets.
Personal auto quotes often come back within minutes. Commercial auto and trucking typically takes 24–48 hours because underwriting is more complex.
If you operate commercial vehicles interstate, yes — a USDOT number is required. Intrastate requirements vary by state. We help clients navigate both Illinois (ICC) and Texas (TxDMV) intrastate authority.
USDOT/MC numbers, fleet schedule with VINs, driver list with CDL information, 3–5 years of loss runs from your current carrier (on carrier letterhead), and your EIN. You can upload all of this through our website.
Yes. We file SR-22s in both Illinois and Texas as part of personal auto coverage for drivers who need them after a DUI, reckless driving, or driving without insurance.
Yes. We write non-trucking liability — also known as bobtail or deadhead coverage — for owner-operators leased to a motor carrier.
Most for-hire motor carriers carry $750,000 to $1,000,000 in primary liability, with $2,000,000 limits available for specific contracts or shipper requirements. The FMCSA minimum is $750,000 for general freight and higher for hazmat.
Yes. The Riskara website is fully bilingual in English and Arabic, and Arabic-speaking service is available.
We use AI to analyze risk and compare carriers in minutes instead of days. A licensed human agent still owns your relationship and your policy — AI just removes the slow, manual quote-shopping that traditional agencies do by hand.
Call (708) 263-7053, email [email protected], or submit a quick callback request, full application, or document upload at riskaragroup.com.
Call us at (708) 263-7053 or email [email protected].
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