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.
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.
Common questions.
What insurance does an owner-operator need?
What is non-trucking liability?
Do I need workers comp as an owner-operator?
Does your coverage match how you run?
Tell us your operation, authority, radius, and cargo and we will check your liability, cargo, physical damage, and filings against how you actually operate. Educational, no obligation.
Coverage built around your authority.
Tell us whether you run your own authority or lease on, and we will build the right program.