Commercial Trucking Insurance Solutions

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Protecting Your Trucks, Drivers, & Business

Commercial trucking insurance is all we do at Rich Insurance Services. Whether you are an owner-operator running regional lanes or a small fleet moving freight between major hubs across the Mid-South and Southeast, we tailor trucking insurance coverage to your routes, equipment, and budget. From single-tractor startups to fleets with 1 to 9 units, our team shops multiple markets to deliver competitive commercial truck insurance quotes across the I-10, I-20, I-30, I-35, I-40, I-55, and I-65 corridors, including Gulf Coast ports, river terminals, and inland distribution centers.

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Core Coverages Built for the Road

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Auto Liability Insurance

Covers bodily injury and property damage you’re legally responsible for in an at-fault accident; required primary liability for motor carriers.

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Physical Damage Coverage

Helps repair or replace your truck and trailer after collision, theft, fire, or other covered losses.

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Motor Truck Cargo Insurance

Protects the freight you haul against covered causes like collision, theft, and fire—key for broker and shipper contracts.

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General Liability for Trucking

Addresses certain third-party injuries or property damage not directly caused by operating your truck—such as incidents at offices or loading areas.

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Non-Trucking (Bobtail) Liability

Liability protection when a tractor is operated for non-business purposes without a trailer under dispatch.

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Workers’ Compensation

Benefits for employee injuries on the job; required in most states when you have employees.

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Occupational Accident

An alternative for qualifying owner-operators/ICs, offering medical, disability, and death benefits when workers’ comp doesn’t apply.

And more upon request:

Roadside Assistance, Trailer Interchange, Hired & Non-Owned Auto, and Commercial Umbrella to address contracts and higher limit needs.

Tailored Insurance for Small Fleets

Running a small fleet means juggling cash flow, safety, filings, and shipper demands. We help with filings and compliance, explain rating factors (drivers, equipment, operating radius), and build programs that scale from one to nine trucks. New venture? We’ll walk you through authority, proof of insurance, and binder timing so you can book loads from Cabot to the River Valley and beyond.

Our Carrier Partners — Coverage You Can Trust

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As an independent agency, Rich Insurance Services works with respected trucking markets to match your profile with the right fit—clean records, specialty cargoes, and everything in between. Our access to preferred carriers helps deliver strong terms and responsive claims support for Arkansas haulers and regional fleets.

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Ready to Keep Your Trucks Covered?

Count on one shop for everything trucking—quotes, certificates, filings, and 24/7 service. We proudly help fleets operating across Arkansas, Texas, Oklahoma, Louisiana, Tennessee, Missouri, Georgia, North Carolina, Colorado, Alabama, and Florida.

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