What's the FMCSA minimum liability requirement?
$750,000 for general freight, $1,000,000 for oil, and $5,000,000 for most hazardous materials. Most shippers and brokers require $1,000,000 regardless.
Commercial Auto
Commercial auto insurance for IL and TX businesses
From a single owner-operator to a 50-unit fleet — we know the appetite of every commercial auto carrier we represent.
Riskara writes commercial auto insurance for any business that puts a vehicle on the road in Illinois or Texas: trucking companies, contractors, delivery operations, landscapers, repair fleets, and owner-operators. We handle the underwriting paperwork most general agents avoid — fleet schedules, driver lists, loss runs, FMCSA filings — and we file SR-1A/E continuous certificates electronically.
Who we write
Long-haul trucking, regional and local hauling, intermodal carriers, owner-operators leased to a motor carrier, dump trucks, flatbed, tanker, refrigerated, auto haulers, contractor pickups and crew trucks, and specialty rigs.
Liability limits
Standard primary liability writes between $750,000 (FMCSA minimum for general freight) and $2,000,000. Hazmat haulers and some shippers require $5,000,000 — we have markets for that too.
USDOT, MC, and state authority
We help clients obtain or update USDOT and MC numbers, file BOC-3 process agent designations, and handle Illinois Commerce Commission (ICC) and Texas Department of Motor Vehicles (TxDMV) intrastate authority paperwork.
What we need to quote
USDOT/MC numbers, fleet schedule with VINs and stated values, driver list with CDLs and hire dates, 3–5 years of loss runs on carrier letterhead, EIN, FMCSA safety rating, and your current declarations page. You can upload all of it through our website.
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
Illinois focus
Illinois commercial auto guide
Contractor, delivery, service fleet, box truck, van, pickup, certificate, and hired/non-owned auto guidance.
Read the guideCommercial auto FAQs
Can you write a new venture (under 3 years in business)?
Yes. We have new-venture markets for trucking and contracting, including Cover Whale, Nirvana, and standard carriers that write new authority. Premium is higher in year one but drops at renewal as you build loss runs.
How long does a commercial quote take?
24–48 hours once we have your loss runs and fleet schedule. Loss runs are the bottleneck — request them from your current carrier the day you start shopping.
Do you handle certificates of insurance (COIs)?
Yes. We issue certificates and add additional insureds the same day at no charge to our policyholders.
By city
Local pages for each market we serve.
Get a commercial auto quote
Upload your USDOT info, fleet schedule, and loss runs — we'll come back with quotes within 48 hours.
Start My Quote