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Owner-Operator Truck Insurance
When you own the truck and drive it, one wrong policy can take you off the road and your income with it. Whether you run under your own authority or lease on to a motor carrier, we shop the insurance companies that write owner-operators, match your coverage to your lease or broker requirements, and recheck it at every renewal. Call or text and talk with someone who knows trucking.
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What It Covers
What Owner-Operators Coverage Includes
Exact coverage depends on the policy and the insurance company. We walk you through yours before you buy.
- Primary liability and cargo when you run under your own authority
- Non-trucking liability or bobtail when you're leased on and off dispatch
- Physical damage for your tractor and trailer
- Occupational accident if you aren't covered by a workers comp policy
- Trailer interchange when you pull trailers you don't own
Good to Know
Before You Buy
Whether you run under your own authority or leased on, the details decide who pays after a claim. We review each one with you before you buy.
- Leased on. If you're leased on, the motor carrier usually covers primary liability while you're under dispatch, and you cover your truck and your own use of it.
- Lease agreement. Lease agreements often spell out the coverages and limits you must carry, so we read yours before we quote.
- Financed trucks. Lenders usually require physical damage coverage on a financed truck.
- Off dispatch. Non-trucking liability or bobtail coverage protects you when you drive outside of dispatch. Your lease usually says which one you need.
- Own authority. Under your own authority you carry primary liability, cargo and the federal filing. Many brokers ask for $1,000,000 in liability.
- Occupational accident. Owner-operators often carry occupational accident instead of workers comp. Some motor carriers require it.
Pair It With
Gaps Owner-Operators Often Miss
Your truck policy is only part of the picture. These need their own coverage, and we check for each one when we quote.
Bobtail and Non-Trucking Liability Aren't the Same
Bobtail covers driving without a trailer. Non-trucking liability covers personal use off dispatch. Your lease decides which one you need.
Occupational Accident Isn't Workers Comp
Owner-operators usually aren't covered by a carrier's workers comp. Occupational accident helps with medical bills and lost income after an injury on the job.
Getting Your Own Authority?
Running under your own MC number brings new filings and limits. We walk you through them before you apply.
One Accident Can Go Past Your Auto Limits
A serious crash can lead to a claim bigger than your auto policy. An umbrella adds a layer above it.
Your Personal Cars Need Their Own Policy
Your business policy covers business vehicles. The family cars at home need personal auto, and we can quote both.
Your Family Depends on Your Income
If something happened to you, term life helps your family keep up with the bills for the years they need it most.
Ready to Run Your Own Truck?
Final approval and pricing are set by the insurance company.