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
Illinois focus
Illinois trucking insurance guide
Statewide owner-operator and fleet guidance with Chicago, Joliet, Bridgeview, FMCSA, and MCS-90 context.
Read the guideTrucking 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.
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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