FC
Full CoverageTruck Insurance
All Services

Owner-Operator Insurance

Owner-operator insurance is built for independent truckers who own their equipment and either lease to a carrier or run under their own authority. Your insurance needs are different from a large fleet, and cookie-cutter policies leave gaps. We put together complete packages that cover your liability, physical damage, cargo, occupational accident, and non-trucking liability in one program designed around how you actually operate.

What's Covered

Primary liability or bobtail/non-trucking liability options
Physical damage with agreed value for your truck
Occupational accident coverage (since workers comp may not apply)
Non-trucking liability for personal use of your truck
Cargo insurance if operating under your own authority
Downtime coverage to replace lost income after a covered loss

Who Needs Owner-Operator Insurance?

If you own your truck and drive for a living, you are an owner-operator and you need specialized insurance. Whether you are leased to a carrier, operate under your own MC authority, or run as an independent contractor, your coverage requirements differ from company drivers. We help owner-operators across the country build affordable, complete insurance programs.

Frequently Asked Questions

The carrier's policy covers liability while you are dispatched on their loads. However, you typically need your own non-trucking liability, physical damage, and occupational accident coverage. We can review your lease agreement and identify exactly what you need.
Non-trucking liability (also called bobtail insurance) covers you when you are using your truck for non-business purposes, like driving home after delivering a load. The carrier's policy only covers you while on dispatch.
No. Workers compensation is an employer-provided benefit. As an independent owner-operator, you are typically not eligible for workers comp. Occupational accident insurance fills that gap, covering medical bills and lost wages if you are injured on the job.

Get a Owner-Operator Insurance Quote

We compare rates from 30+ carriers to find the best owner-operator insurance coverage for your operation.

Get a Free QuoteCall 317-427-5599