COVERAGE BUILT FOR THE ROAD AHEAD

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

OUR SERVICES

Commercial Insurance Built Around Your Journey

At ARX Group Insurance, we understand that insurance is not just about policies.

It is about protection.
It is about confidence.
It is about preserving everything you have worked hard to build.

For trucking businesses, one unexpected event can change everything — a road accident, damaged cargo, equipment loss, or a costly liability claim.

That is why we build more than insurance plans.

We build financial fortresses.

Customized protection designed around your exact operation, your exact risk, and your exact future.

Because your business deserves more than coverage.

It deserves confidence.

Core Liability Protection

The foundation of every successful trucking operation.

Without strong liability protection, one accident can threaten everything you have built.

Our Core Liability Protection helps shield your business from the financial impact of lawsuits, accidents, and third-party claims—so you can operate with peace of mind.

Primary Liability Insurance

Your first and most essential line of protection.

This coverage helps pay for bodily injury and property damage caused to others when your truck is involved in an at-fault accident.

It protects your business from devastating legal and financial consequences while helping meet federal and state compliance requirements.

General Liability Insurance

Protection beyond the road.

Not every business risk happens behind the wheel.

General Liability helps protect your company from everyday business exposures such as premises incidents, loading dock accidents, and non-driving operational liabilities.

Because your business needs protection both on and off the road.

“Real confidence begins when your foundation is protected.”

Vehicle & Equipment Protection

Protect what keeps your business moving.

Your trucks are more than vehicles.

They are your investment.
Your livelihood.
Your momentum.

Our vehicle & equipment protection ensures unexpected damage does not become unexpected downtime.

Physical Damage Coverage

Protection for your truck and trailer.

Whether it’s a collision, theft, fire, vandalism, or severe weather, this coverage helps repair or replace your owned equipment quickly—so your business can keep moving.

Trailer Interchange Coverage

Coverage for borrowed or non-owned trailers.

If you haul trailers you do not own, this protects you against physical damage claims while they are in your care.

A must-have for intermodal and shared trailer operations.

Equipment Breakdown Coverage

Protection against unexpected mechanical failure.

Because not every costly loss comes from a crash.

Mechanical and electrical breakdowns can stop operations fast—we help reduce that risk.

Reefer Breakdown Coverage

Built for refrigerated operations.

If your refrigeration system fails, cargo can be lost in minutes.

This coverage helps protect against spoilage-related losses and protects your reputation with your clients.

“When your equipment is protected, your business stays in motion.”

Cargo & Specialized Haul Coverage

Because what you carry matters.

Your clients trust you with valuable cargo.

That trust deserves protection.

Our Cargo & Specialized Haul Coverage helps protect the freight you transport—and the reputation you have built delivering it.

Motor Truck Cargo Insurance

Protection for the freight under your care.

If cargo is damaged, lost, or stolen while in transit, this coverage helps protect your business from costly claims and contract disputes.

Hazmat Liability Insurance

Enhanced protection for higher-risk loads.

Transporting hazardous materials comes with increased responsibility and stricter regulations.

We help ensure your business has the specialized protection required for these exposures.

“Protecting the load means protecting your name.”

Cargo & Specialized Haul Coverage

Because no two trucking businesses face the same road.

Different operations face different risks.

That is why ARX offers coverage tailored to your exact niche.

Dump Truck & Heavy Haul Coverage

Built for high-demand operations.

From construction hauling to oversized loads, this coverage addresses the unique exposures that come with heavy-duty work—off-road risk, rollover exposure, and equipment-intensive operations.

Intermodal & Port Drayage Coverage

Protection for fast-moving port and container operations.

Ports move fast.
Risks move faster.

This coverage helps protect container haulers facing interchange exposures, congestion risks, and operational complexities.

Your Business Deserves More Than Insurance

It deserves a partner who understands your risks, values your hard work, and is committed to protecting everything you’ve built.

At ARX Group Insurance, we don’t just provide policies — we provide confidence, clarity, and the security to move forward boldly.

Because when your protection is built right, your future becomes stronger.

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.