NAICO commercial auto for the trucks that do the work.
Pickups, vans, flatbeds, service bodies, dumps and the trailers behind them. Cribb Insurance Group is appointed with NAICO and places commercial auto for Arkansas contractors, manufacturers, energy operations and service businesses.
The short version
Commercial auto covers vehicles used in your business: what happens when one of them hurts somebody or damages property, and what happens to the vehicle itself. It also reaches vehicles you do not own but do use, which is where most businesses find out they had a gap.
NAICO writes commercial auto as part of a broader commercial program, so the fleet can sit with the same company as the workers compensation, liability and property. We hold the appointment and can quote it directly.
What a commercial auto policy is actually made of.
A commercial auto policy is a set of separate coverage parts, each doing a different job. They are chosen individually, which is why two policies on identical trucks can behave very differently.
- LiabilityPays what the business becomes legally responsible for when a covered vehicle injures someone or damages their property, and provides the defense.
- Physical damageComprehensive and collision on the vehicle itself. Comprehensive is the non-collision side: hail, theft, fire, glass, striking an animal. Collision is impact.
- Medical paymentsMedical expenses for occupants of a covered vehicle after an accident, without waiting on the question of fault.
- Uninsured and underinsured motoristSteps in when the driver who hit your unit has no coverage or not enough of it. In an at-fault state this is the part that matters when the other side cannot pay.
- Hired and non-owned autoVehicles the business uses but does not own: rented trucks, borrowed trailers, an employee running an errand in their own car.
- Trailer interchange and towingCoverage for trailers in your possession under an interchange agreement, plus towing and roadside for disabled units.
The fleets we place most often.
Commercial auto is rarely a standalone purchase. It usually rides along with the rest of a commercial program, and the operation on the ground drives how it is built.
Contractors and construction
Service trucks, crew pickups, dump beds and equipment trailers moving between jobsites, with certificate requirements coming from every general contractor on the list.
Manufacturing and distribution
Delivery vehicles, yard trucks and units that run finished product out to customers on a predictable radius.
Service businesses
Vans and light trucks carrying technicians, parts and tools, often with equipment permanently mounted to the vehicle.
Vehicles are one piece of the account. The same operation usually needs workers compensation and general liability alongside it, and it is worth building them together rather than one at a time.
Where the truck ends and the equipment begins.
Physical damage covers the vehicle. The question that comes up on nearly every contractor account is what counts as part of the vehicle and what does not.
Attached to the vehicle
Equipment permanently mounted to the unit is generally treated as part of the vehicle: a service body, a crane or lift installed on the chassis, a mounted compressor, a spray rig plumbed into the truck.
Because it is part of the vehicle, its value belongs in the stated value or cost new that the physical damage coverage is written around. A truck listed at bare chassis value when it carries a fitted service body is under-described.
Riding in the vehicle
Tools, portable equipment and materials in the bed or the van are usually a different coverage entirely. That is inland marine territory, written as contractors equipment or tools and equipment coverage.
The practical version: if it can be lifted out and used somewhere else, it probably is not covered by the auto policy. We look at both sides together so nothing sits in the seam.
The state floor, and one thing worth checking at claim time.
Arkansas is an at-fault state, so the driver responsible for a crash is the one whose coverage responds. Arkansas also sets a financial responsibility minimum that applies to vehicles registered here.
- $25,000bodily injury, one person
- $50,000bodily injury, per accident
- $25,000property damage
Those figures come from Ark. Code § 27-22-104 and are the legal floor for registration, not a description of what any particular business needs. In practice the number that governs a job is usually the one written into the contract, lease or lender agreement, and those routinely sit above the state floor. Send us the contract language and we will read the insurance requirements against what you carry.
Read the total loss settlement, not just the check
When an automobile is settled as a total loss in Arkansas, the insurer is required to include applicable taxes and fees with the payment, and to hand over an itemized list separating the part of the claim attributable to the value of the automobile from the part attributable to sales tax on an automobile of that value. Not including those is treated as an unfair claims settlement practice.
The reason this matters is simple: you are going to replace the unit, and you are going to pay sales tax when you do. That itemized breakdown is what lets you see whether the tax line is actually there. Whether the section reaches a given commercial unit depends on the vehicle and the policy, which is worth asking about on your specific fleet rather than assuming either way. When a unit of yours is totaled, send us the settlement breakdown and we will read it with you.
Ark. Code § 23-89-211. General information, not legal advice.
What we will ask you for.
Commercial auto is priced off the operation, not off a form. These are the categories that shape a submission, and having them ready is the difference between a quote this week and a quote in three weeks.
The units
Year, make, model, vehicle identification number, body type, weight class, stated value, and any equipment mounted to the chassis.
The drivers
Full driver list with dates of birth, license numbers and states, plus who else has keys. Motor vehicle records get pulled on all of them.
Use and radius
What the vehicles haul, how far they travel from the garaging address, and whether any of it crosses state lines.
Loss history
Prior years of auto losses with dates, amounts and status, and what has changed since. Documented driver policies are visible to underwriters.
Contract requirements
The insurance language your customers, lenders and general contractors require in writing, including additional insured and waiver requests.
Fit questions
Whether a specific vehicle class, use or driver situation works for a particular market is a conversation, not a published rule. Ask Cribby or call us.
The part that lasts twelve months.
Placing the policy takes a few days. Servicing it takes the year, and on a fleet account that service is most of the value.
Adding and dropping units
Send the year, make, model, vehicle identification number, garaging address and driver when you buy a truck. Do not assume a new purchase picks up coverage on its own, because automatic acquisition terms vary by policy.
Certificates
Certificates, additional insured endorsements and waiver requests come out of the Bentonville office. Send us the requirement rather than guessing at what the general contractor wants.
Reporting a loss
Report promptly. Call the office and we will walk you through it and coordinate with the carrier, or report direct if that is faster. Gather the other driver's information and photograph the scene if it is safe.
Want the wider picture on business vehicles rather than this carrier specifically? Start with our commercial auto insurance overview.
Other NAICO lines.
NAICO overview
The carrier profile: what NAICO writes, how the appointment works, and where financial strength sits.
NAICO workers compensation
Class codes, experience modification, audit mechanics and the Arkansas coverage threshold.
In the build queueNAICO general liability
Completed operations, additional insured wording and the contract language that drives it.
In the build queueNAICO property and inland marine
Building and contents values, contractors equipment, and coverage for tools in transit.
In the build queueNAICO surety and excess
Bond requirements, contract thresholds and how excess layers sit over the primary program.
In the build queueCommercial auto questions we get.
What is the minimum auto liability required in Arkansas?
Does my personal auto policy cover a vehicle I use for work?
What is hired and non-owned auto coverage?
How does Arkansas handle a total loss settlement on an automobile?
How do I add a truck to the policy mid-term?
Who do I call when there is an accident?
Cribb Insurance Group publishes carrier explainers, Arkansas coverage guidance and commercial insurance education. Add Cribb Insurance as a preferred source on Google.
Send us the fleet.
Vehicle list, driver list, radius and any contract requirements. We will run it through NAICO and the rest of our commercial markets and come back with what fits your operation.
Bentonville, AR 72713
NAICO and National American Insurance Company are marks of National American Insurance Company and are used here nominatively to identify a carrier Cribb Insurance Group is appointed with. Cribb Insurance Group Inc is an independent agency and is not affiliated with, endorsed by or acting on behalf of National American Insurance Company.
Coverage descriptions on this page are general and simplified. Coverage, availability, eligibility and terms vary by policy, endorsement, vehicle, class of business and state, and the actual policy language controls in every case. Nothing here amends any policy or creates coverage.
Financial strength ratings are assigned by AM Best, are opinions about a company's ability to meet its insurance obligations rather than about claims handling or service, and can change at any time.
No premium figures, rate estimates or savings figures are published on this page. The only dollar amounts shown are the Arkansas financial responsibility minimums set by statute, which are a legal floor rather than a recommendation. Commercial pricing is developed from the exposures of the individual account.
Arkansas statutory references are general information and not legal advice. Statutes are summarized and may be amended. Consult a licensed Arkansas attorney about how any statute applies to your business.
Last reviewed August 2026.