What insurance does an owner-operator need?

It depends on authority. Under your own authority, generally primary liability, motor truck cargo, and physical damage. Leased to a carrier, usually bobtail or non-trucking liability, physical damage, and often occupational accident.

What is non-trucking liability?

Coverage for a leased owner-operator when using the truck not under dispatch, since the carrier's policy generally only covers you while working for them. Bobtail coverage is closely related.

Do I need workers comp as an owner-operator?

It depends on your status and state. Owner-operators often use occupational accident coverage, and some states or contracts require workers comp. We help sort out what applies.

Owner-Operator Trucking Insurance

Insurance built for owner-operators.

Whether you run under your own authority or lease to a motor carrier changes your insurance completely. We build the program around how you actually operate, not a generic truck policy.

Ready for terms? Get a quote. Want to find the gaps first? Compare your coverage.

Owner-operator insurance depends on your authority. Under your own authority you generally need primary liability, motor truck cargo, and physical damage. Leased to a carrier, you usually need bobtail or non-trucking liability, physical damage, and often occupational accident, since the carrier provides primary liability while you drive for them.

Own authority vs leased

This is the first question. Under your own authority you carry primary liability, cargo, and physical damage and file with the FMCSA. Leased to a motor carrier, that carrier's policy usually covers you while under dispatch, so your exposure shifts to bobtail or non-trucking liability and protecting your truck. Getting this wrong leaves a serious gap.

Protecting the truck and your income

Your tractor is your livelihood, so physical damage coverage matters, and downtime or a disabling injury can stop your income. Owner-operators often add occupational accident or workers comp depending on status, since you are not an employee covered by someone else's plan.

Cargo and the loads you take

If you haul under your own authority, motor truck cargo covers the freight, and the commodity and limit have to match what you actually carry and what your contracts require. We line the cargo coverage up with your lanes and loads.

Insurance built for owner-operators.

Own authority vs leased

Protecting the truck and your income

Cargo and the loads you take

Common questions.

Does your coverage match how you run?

Keep going.

Primary Liability

Bobtail / Non-Trucking

Physical Damage

Trucking Coverage Review

Coverage built around your authority.