COVERAGE BUILT FOR THE ROAD AHEAD

We help keep your trucks protected, your business compliant, and your operations moving forward with confidence.

Building a Financial Fortress Around What Matters Most

At ARX Group Insurance, we believe insurance should be more than a policy — it should be a powerful foundation for confidence, growth, and peace of mind.

Headquartered in Indianapolis, Indiana, and proudly serving clients across all 50 states, ARX Group Insurance was built to provide businesses, entrepreneurs, families, and especially commercial clients with smarter, stronger, and more personalized protection.

Our core focus is commercial insurance, with a specialized strength in commercial trucking Insurance — protecting the businesses and professionals that keep America moving every single day.

As an independent insurance agency, we do more than provide coverage — we build long-term partnerships. We listen carefully, understand risk deeply, and design insurance solutions that truly fit the unique realities of our clients’ lives and businesses.

At ARX, our purpose is simple:

to help you protect what you have built, prepare for what lies ahead, and move forward with confidence.

“True protection is not just about recovering from risk — it is about having the confidence to pursue your future without fear.”

Our Story

ARX Group Insurance was founded on a simple belief:

every great business, every growing family, and every ambitious future deserves a strong foundation of protection.

We saw a need for something better in the insurance industry — a more personal, strategic, and trustworthy approach.

Too often, insurance feels transactional.

At ARX, we chose to make it relational.

Our name, ARX, comes from the Latin word meaning “fortress"—a symbol of strength, security, and lasting protection.

That is exactly what we aim to build for every client:
a financial fortress that protects what matters most.

Our Mission

At ARX Group Insurance, our mission is to provide more than insurance — we exist to deliver confidence, security, and peace of mind through intelligent protection built around the unique needs of every client we serve.

We are committed to helping businesses grow boldly, families live securely, and commercial operators move forward with certainty by providing customized insurance solutions, trusted guidance, and exceptional service at every stage of their journey.

Our purpose is simple: to protect what matters today while helping build a stronger, more secure tomorrow.

Our Vision

Our vision is to become one of America’s most trusted and respected independent insurance agencies—known not only for the strength of our solutions but also for the strength of our relationships.

We envision a future where businesses can operate with confidence, entrepreneurs can pursue growth without fear, and families can live with greater peace of mind because they know they are protected by a partner who truly understands what is at stake.

At ARX, we strive to build more than policies — we strive to build lasting trust, lasting protection, and lasting impact.

The right insurance partner does more than protect your present — they help secure your future.

At ARX Group Insurance, we are committed to helping you move forward with clarity, confidence, and complete peace of mind.

Let’s build your financial fortress—together.

Frequently Asked Questions

Common Questions Answered for your convenience.

How much does commercial trucking insurance cost?

Premiums vary based on your truck type, cargo, driving history, years under authority, coverage limits, and territory. Owner-operators with clean records hauling general freight typically see primary liability premiums ranging from $5,000 to $30,000 or more annually. Hazmat carriers, new authorities, and drivers with violations will pay higher rates. The most accurate way to know your number is a free quote from ARX — we shop multiple carriers to find your best rate.

What insurance is legally required to operate a commercial truck?

FMCSA requires all interstate motor carriers to carry minimum primary liability insurance. For general freight carriers, the federal minimum is $750,000. Hazmat haulers face requirements from $1,000,000 to $5,000,000 depending on the commodity.

Can I get covered with a new authority?

Yes. ARX Group works with carriers who specialize in new authority programs. Rates for new authorities are typically higher because there is no established loss history, but we regularly find competitive options and get new operators compliant from day one. Don't let a lack of experience stop you from calling us.

How quickly can I get a certificate of insurance?

In many cases, we can bind coverage and issue a certificate of insurance the same day you request a quote — sometimes within a few hours. For complex risks or specialty programs, it may take 24 to 48 hours. Call us directly at 463-315-3777 if you have an urgent timeline.

What is the difference between cargo insurance and physical damage insurance?

Physical damage covers your truck itself — protection against collision, theft, fire, hail, and other damage to your vehicle. Cargo insurance covers the freight you haul—protection against damage, theft, or loss of the goods in your care. They cover two completely different things, and most shipper contracts and broker agreements require you to carry both..

What happens to my coverage if I get into an accident with a bad driving record?

Your policy doesn't disappear the moment you have an incident—but your record does affect what happens next.

If you're involved in an at-fault accident, your insurer will handle the claim according to your policy terms. What changes is what happens at renewal.