Frequently asked questions

How fast can I get a quote?

Our standard turnaround is 2 business days or less. In many cases we deliver the same day. Once we have your vehicle or business details, we shop your coverage across more than 35 carriers and prepare a clear proposal.

Are you licensed in my state?

Rock River Insurance Agency is licensed in 45 states. If you're unsure about yours, just ask — we'll confirm within minutes. We're based in Florida and expanding to more states every year.

What types of insurance do you offer?

We focus on Commercial Auto (owner-operators, fleets, trucking businesses) and Personal Auto (individuals and families). Our commercial clients range from single hotshot operators to multi-truck fleets with cargo, physical damage, and non-trucking liability coverage.

Do you work with Amazon Freight Partners and ports?

Yes. We build policies that meet Amazon Freight Partner, Relay, and port requirements — including cargo limits, MC filings, and fast certificates. If your operation has specific contract requirements, share them and we'll match coverage exactly.

What information do I need to get a quote?

For commercial auto: legal name of the company, DOT number (if applicable), years in business, state of operation, type of business, desired liability limits, and policy dates. For personal auto: driver details, vehicle information, and current coverage. If you don't have everything, that's fine — send us what you have and we'll guide you through the rest.

How do I request a Certificate of Insurance (COI)?

Use the COI request page. You can request as a broker or as an insured client — the form adapts to your role. We'll issue and email the certificate, usually within a few hours during business days.

How do I make a change to my policy?

Submit an endorsement request — add a vehicle, add a driver, change an address, adjust coverage, add an additional insured, or cancel. Most changes are processed within one business day.

How do I file a claim?

Use the claim report page. Provide the policy number, incident details, driver and vehicle information, and — if you have them — photos or a police report. A claims specialist will contact you shortly to guide you through the process.

What payment methods do you accept?

We accept ACH transfers, credit/debit cards, cashier's checks, and cash deposits. See the payment methods page for details. If you need something specific, contact us — we'll find a way.

Can I bundle commercial and personal policies?

Absolutely. Many of our clients have both a commercial auto policy and a personal auto policy with us. Bundling often unlocks discounts and simplifies your renewals — one team, one point of contact.

What happens at renewal?

Before your policy renews, we re-shop your coverage across our carriers to make sure you're still getting the best available rate. If we find savings, we'll present them. If not, we'll confirm your current terms. You're never automatically rolled into a rate increase without our review.

Do you offer coverage for new ventures with no prior insurance history?

Yes — this is one of our specialties. New authorities, first-year owner-operators, and startup trucking businesses are welcome. We'll work with our carriers to find a program that gets you on the road fast, then help you improve terms as your history builds.

How do I reach you if I have a question?

Three ways: WhatsApp for fast messages, email for anything detailed, or the contact form. We respond within one business day — often much faster.