Raymond White
Advisor, ERIS Certified
- Petroleum & Fuel
- Trucking & Hazmat
- Environmental
Commercial Insurance & Risk Management
Zero claims. Rates still up. Nobody explains why.
You built this business with your own hands. You run clean. You train your people. And every renewal, you get the same call: rates are up, here's the bill, sign here. You deserve an advisor who fights for your coverage the way you fight for your company.
Prefer email? comail@roarkandsutton.com
Proud Members & Industry Partners
What's at Stake
It shouldn't take a lawsuit to find out what you actually bought.
But that is how most owners find out. The policy gets renewed, the premium gets paid, and nobody reads it again until a plaintiff attorney does — and by then the gap is not a paperwork problem, it is the whole company.
“The accident wasn't even with our truck. It wasn't our driver. It was just our trailer. And it still wiped out our company.”
“We counted 13 attorney trucking billboards on the way to court. Each one said 'I won my client X million.' They're really good at turning you into the bad guy.”
967%
967%
Verdict Increase
Average trucking jury verdicts rose from $2.3M to $22.2M between 2010-2018.
6 yrs
6 yrs
Invisible Gap
A contractor operated with no GL coverage for six years. Nobody told him.
$22M
$22M
Average Verdict
Plaintiff attorneys are extracting larger settlements every year.
30
30
States Licensed
We serve high-risk commercial clients nationwide.
The Standard We Work By
We've sat across the table from business owners who lost everything to a single claim.
Not because they did something wrong. Because nobody told them what their policy actually covered. We know how policies are written, what gets excluded, and where the gaps hide.
$50M
In Managed Premium
Grown 20x from $2.5M since 2017. Business owners keep choosing us.
30
States Licensed
Springfield, MO and Conway, AR offices serving clients nationwide.
45%
Combined Savings
"We realized a combined 45% savings on our insurance costs."
We learned the carrier side. Now every advisor works yours.
Roark & Sutton was founded on six years spent inside the carriers, with behind-the-scenes access to underwriting and corporate strategy. That experience became the standard every R&S advisor is trained under: how carriers evaluate a business, what drives the rates, and where gaps turn catastrophic at claim time.
Every advisor on the team carries direct relationships with carrier underwriters. When we present your business, we're not filling out a form. We're building a case for why you deserve better terms.
What sets us apart
- Behind-the-scenes carrier access to underwriting and corporate strategy
- Plaintiff attorney defense strategy built into every program
- Quarterly strategic reviews, not annual renewals
- Direct advisor phone lines, not a 1-800 number
- DOT compliance advisory (retired highway patrol on staff)
- Industry-specific expertise, not generalist coverage
How We Advocate
Three steps to knowing you're actually covered
No forms. No runaround. No 10-carrier spreadsheet you have to interpret yourself. Three steps to complete clarity.
Insurance is only half the job. We also manage the risk behind it — coverage evaluation, DOT compliance advisory, CSA score monitoring, and quarterly benchmarks that make your program a deterrent to plaintiff attorneys, not a target.
01
Let's Talk
Where you are and what you want in an insurance advisor relationship. We listen before we prescribe.
02
Risks and Coverage Evaluation
We evaluate your current program, understand your risks and coverage options, and discuss how you will be presented to insurance companies. You'll see exactly where you're vulnerable.
03
The Right Coverage and Peace of Mind
Comprehensive coverage summary designed to make you a deterrent to plaintiff attorneys, not a target. Plus our Client Continuation Plan with quarterly benchmarks so your program improves every year.
What We Advocate For
Cheap is the most expensive thing you'll ever buy.
Most agents sell on premium, because premium is the one number you can compare in ten seconds. It is also the number that tells you the least about whether you survive a bad claim. We think that is backwards — so we advocate in a specific order.
First
Proper coverage
Before anything else, we make sure the policy actually responds when a bad claim hits. Limits that match your real exposure, endorsements that close the gaps, and no surprises in the exclusions.
Second
Equitable risk transfer
Then we push the risk to where it belongs. Contracts, indemnity language, and additional insured status reviewed so you are not absorbing liability that was never yours to carry.
ThirdThen, and only then, price. With the coverage right and the risk sitting where it belongs, we go get you the best number available for that structure. Sometimes it is still more than the cheapest quote on the table. We will tell you when it is, and exactly what the cheaper policy would have cost you at claim time.
What Success Looks Like
This is what handled feels like.
Everything above is what goes wrong when coverage is an afterthought. Here is the other version — the one our clients actually live in.
Renewal stops being an ambush
You know where your program stands before the renewal letter shows up, because we benchmark quarterly instead of scrambling once a year.
A claim is a phone call, not a crisis
You call a direct line and reach an advisor who already knows your file. The policy responds the way we told you it would.
You become the expensive business to sue
Your program is built to make plaintiff attorneys look for an easier defendant. Being a hard target is a coverage decision, not luck.
You know exactly what you own
Limits, exclusions, and endorsements explained in plain language, so nothing about your policy is a surprise on the worst day of your year.
None of that is luck. It is what proper coverage and equitable risk transfer actually buy you.
Your Advisors
You get a specialist, not a call center.
We go deep in the industries where the wrong policy ends a business. Every advisor below lives in your world, carries direct carrier relationships, and answers their own phone.
7 advisors shown.
Not sure who to call? We'll route you to the right specialist.
What Our Clients Say
Find an operator like you.
Real companies in your lane, in their own words. Filter by industry to hear from a peer.
Trucking & Hazmat
“They have been more of a partner than just an insurance broker, providing strategic guidance that has helped take our safety initiatives to the next level.”
Jessie Davis
Dunagin Transport
Trucking & Hazmat
“Roark & Sutton helped us accomplish our insurance objectives, and we realized a combined 45% savings on our insurance costs.”
R&S Client
Commercial Fleet Operator
Petroleum & Fuel
“They dug deep into the current policy we had before our renewal to find several loopholes we had no idea existed.”
Skywest Services LLC
Petroleum Services
Commercial
“I can call my Roark & Sutton advisor at any time of day to get an answer to my questions, which is basically unheard of in this digital age with most other agents.”
Long-term Client
Commercial Business Owner
Insights
The thinking behind the coverage.
Straight talk on the risks facing trucking, petroleum, and commercial operators — pulled from our newsletter as we publish it.
Trucking & HazmatMay 28, 2025
Why Nuclear Verdicts Keep Getting Bigger — And What Fleets Can Do
Plaintiff attorneys have turned trucking litigation into an industry. Here's how the playbook works and where defensible operators break the cycle.
Read article
Petroleum & FuelMay 14, 2025
The Petroleum Coverage Gaps That Surface at Claim Time
Environmental, tank, and transport exposures rarely line up with a standard policy. A look at where fuel operators get caught short.
Read articleTrucking & HazmatApr 30, 2025
Reading Your CSA Score Like an Underwriter Does
Your safety data is doing the talking before you ever get a quote. Here's how carriers actually interpret it — and how to get ahead of it.
Read articleFree Guide
The Plaintiff Playbook
Plaintiff attorneys have a system for extracting maximum settlements from commercial businesses. This guide breaks down their playbook and shows you how to become a deterrent instead of a target.
What's inside:
- How plaintiff attorneys select their targets
- The 5 policy gaps they exploit most often
- Website and safety policy vulnerabilities you don't know about
- CSA score factors that make you a target
- The defensive posture that changes everything
Instant PDF download — no email required.
The Plaintiff Playbook
The commercial owner’s guide to becoming a hard target
Roark & Sutton
Ready?
Stop dreading renewal.
Give us fifteen minutes on the phone. No pitch, no pressure. We'll look at what you have and tell you straight whether it's protecting you or leaving you exposed.
Mon–Fri, 8am–5pm CT