Owner Operator Truck Insurance

Managing your business on the road presents its own unique challenge. We are here to make it easier for you to choose the best trucking insurance whether operating under permanent lease to a motor carrier or under your own authority. Our carrier partners provide industry leading truck insurance.

Owner operators under permanent lease to a motor carrier

It’s common for a motor carrier to provide primary liability insurance coverage while you’re working for them under permanent lease. This typically covers injuries or damage to other people or property if you’re found responsible for an accident.

Some motor carriers offer additional coverage however you can often get a better deal allowing you to customize your truck insurance. The additional owner operator truck insurance coverages that you may need to consider depending on your business, include:

  • Non-Trucking Liability
      Protection for when you’re using your vehicle for personal use.
  • Physical Damage Coverage
    Covers the cost of fixing or replacing your truck if it’s involved in an accident or stolen.
  • Trailer Interchange
     Physical damage coverage for non-owned trailers being pulled under a trailer interchange agreement.

Owner operators with their own authority

If you’re working under your own authority, you’ll need to carry your own commercial truck insurance coverages, including: