Commercial Umbrella Insurance for Trucking Companies

Why Trucking Businesses Add an Umbrella

A commercial umbrella adds higher liability limits above your underlying policies, helping meet shipper contracts and buffer against large claims. Arkansas fleets running I-40, I-30, and US-67/167 often see customer requirements that exceed primary limits—especially around distribution hubs in Little Rock, Conway, and Memphis. Rich Insurance Services places trucking umbrella insurance that fits your lanes, cargoes, and broker expectations.

What an Umbrella Sits Over

An umbrella can extend over commercial auto liability, general liability, and employers’ liability (when eligible), providing an extra layer when underlying limits are exhausted. It does not cover the load itself—that’s a job for motor truck cargo—and it won’t fix gaps created by excluded exposures on a primary policy. We’ll review endorsements and contracts so your certificates reflect the correct layering.

Limits, Eligibility & How to Choose

Typical increments start at $1M and step up to $5M, $10M, or more for small fleets, subject to carrier capacity and underwriting. You’ll need certain minimum underlying limits on your primary policies, and some shippers will specify total combined limits. We help match umbrella limits to contract language so your tractors can load without delays across Central Arkansas and the Southeast.

Cost Drivers & Market Considerations

Litigation environment, loss history, radius, driver MVRs, cargo types, and safety programs all influence umbrella pricing. Telematics, dash cams, and written fleet policies often help with underwriting—especially for operations running high-traffic corridors or night shifts around North Little Rock and Jacksonville.

FAQs: Commercial Umbrella

  • “Does an umbrella cover cargo?”

    No. Umbrellas address liability above covered policies; cargo is handled by motor truck cargo coverage.

  • “Can a one-truck operation add an umbrella?”

    Often yes, if underlying limits and programs meet eligibility. We’ll confirm market options.

  • “Do I need to raise primary limits first?”

    Most umbrellas require specific underlying limits, especially for commercial auto liability and general liability. We’ll align primary and excess for contract compliance in Arkansas and neighboring states.

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Ensure You’re Covered on the Job

Rich Insurance Services helps Arkansas owner-operators choose Occ/Acc benefits that fit budget and risk—so an injury doesn’t derail your business or your family’s plans.

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