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
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
Do I need my own insurance if I am leased to a carrier?
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.
What is non-trucking liability?
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.
Is occupational accident insurance the same as workers comp?
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.