Insurance Built for The Long Haul
An independent agency founded on a simple idea: every client deserves straightforward, reliable coverage without the runaround.
Honest Expertise. Personal Service.
Motive Insurance Agency, LLC was founded by Roy Richards in Fort Lauderdale, Florida, with a focus on the people who keep America's freight moving. Truckers were tired of agencies that didn't understand their business, didn't return calls and disappeared when a claim came in.
Today we serve owner-operators and fleets across 22 states, and we've grown to protect the rest of our clients' lives too: their businesses, their personal vehicles and their families through life and health coverage.
Whether you're a first-time owner-operator or managing a growing fleet, we walk you through every option. No pressure, no surprises. Just honest expertise and a policy built around you.
Roy Richards, MBA, TRIP®
Founder & Principal Agent
Roy combines an MBA with the TRIP® designation and a deep focus on commercial transportation insurance. He works directly with clients on every account, from new-authority owner-operators to multi-state fleets.
Our Values
Straight Talk
Plain-language explanations of what you're buying and what you're not.
Shop Every Time
We compare multiple carriers at new business and at renewal.
Responsive
Certificates, endorsements and answers when you need them.
In Your Corner
We stay involved when you have a claim, not just when you buy.
Let's talk about your coverage.
Call, email or request a quote. You'll hear back from Roy directly.