Arizona is a major transportation hub, with thousands of semi-trucks moving goods across state lines every day. Whether you're an independent owner-operator or run a fleet of commercial trucks, your rig is more than just a vehicle—it’s your livelihood. And protecting that livelihood starts with the right semi-truck insurance.

At Riseson Insurance , we specialize in helping drivers and trucking businesses in Tempe , Phoenix , Scottsdale , Tucson , Gilbert , and Chandler get the tailored coverage they need to stay legal, safe, and financially secure on the road.

Semi-truck insurance, also known as commercial truck insurance, is a specific type of coverage designed for heavy-duty vehicles used in freight transport. It includes a wide range of protections to cover your truck, cargo, drivers, and third-party liabilities.

Whether you're hauling produce down I-10 or delivering equipment across town, semi-truck insurance is essential to keep your business moving forward.

You may need semi-truck insurance if you:

Own a Class 7 or Class 8 truck (26,001+ pounds) Operate as an owner-operator or have your own motor carrier authority Lease your truck to a motor carrier Run a fleet of trucks under a business or corporation Transport goods across state or within Arizona Haul specialized or hazardous materials

Your policy can be customized based on how you use your truck, what you haul, and your level of risk. Common coverages include:

Primary Liability : Required by law , covers damage or injuries you cause to others while operating your truck. Physical Damage Coverage : Covers repairs or replacement if your semi-truck is damaged in a crash, by fire , theft , or vandalism. Motor Truck Cargo Insurance: Protects the freight you're hauling if it's damaged, lost, or stolen. Bobtail/Non-Trucking Liability: Covers your truck when it’s being driven without a trailer or not under dispatch. Trailer Interchange Insurance: Covers trailers being hauled under a trailer interchange agreement. General Liability : Covers your business for claims that occur off the road, such as at a loading dock or truck yard. Workers’ Compensation : If you have employees or a team, this coverage protects them in case of injury on the job.

When you’re in the trucking industry, one-size-fits-all policies won’t cut it. You need an agent who understands both state and federal regulations, including DOT requirements, FMCSA filings, and Arizona-specific coverage minimums.

At Riseson Insurance, we live and work where you do. Whether you're hauling from Phoenix to Tucson, making local deliveries in Chandler, or operating long-haul routes out of Tempe, we’ll help you find reliable, affordable protection tailored to your operation.

We work with a range of top-rated carriers to get you competitive quotes. You may qualify for discounts if you:

Have a clean driving record Operate newer or well-maintained equipment Use ELDs (electronic logging devices) and GPS tracking Implement safety training and maintenance programs Bundle coverage with general liability, cargo, or trailer insurance

Your truck is your business—and your livelihood. Don’t leave it exposed to risk. Let Riseson Insurance help you find the best semi-truck insurance in Arizona so you can focus on the road ahead.

Call us at 602-460-5470 to speak with a local commercial truck insurance expert.

What Is Semi-Truck Insurance?

Who Needs Semi-Truck Insurance?

What Does Semi-Truck Insurance Cover?

Why Work with a Local Semi-Truck Insurance Agent?

Save More with Custom Coverage and Discounts

Let Riseson Insurance Keep You Covered—Mile After Mile

• Own a Class 7 or Class 8 truck (26,001+ pounds)
• Operate as an owner-operator or have your own motor carrier authority
• Lease your truck to a motor carrier
• Run a fleet of trucks under a business or corporation
• Transport goods across state or within Arizona
• Haul specialized or hazardous materials

1. Primary Liability : Required by law , covers damage or injuries you cause to others while operating your truck.
2. Physical Damage Coverage : Covers repairs or replacement if your semi-truck is damaged in a crash, by fire , theft , or vandalism.
3. Motor Truck Cargo Insurance: Protects the freight you're hauling if it's damaged, lost, or stolen.
4. Bobtail/Non-Trucking Liability: Covers your truck when it’s being driven without a trailer or not under dispatch.
5. Trailer Interchange Insurance: Covers trailers being hauled under a trailer interchange agreement.
6. General Liability : Covers your business for claims that occur off the road, such as at a loading dock or truck yard.
7. Workers’ Compensation : If you have employees or a team, this coverage protects them in case of injury on the job.

• Have a clean driving record
• Operate newer or well-maintained equipment
• Use ELDs (electronic logging devices) and GPS tracking
• Implement safety training and maintenance programs
• Bundle coverage with general liability, cargo, or trailer insurance