Owner-Operator Insurance
As an owner-operator, your truck is your livelihood. Whether you're leased to a carrier or running under your own authority, you need insurance coverage tailored to your unique situation. Our agency understands the owner-operator business and offers packages that protect you without breaking the bank.
Coverages we place
- Non-trucking liability (NTL) for when you're not under dispatch
- Physical damage for your tractor
- Bobtail coverage when driving without a trailer
- Occupational accident insurance (injury/disability coverage)
- Motor truck cargo (if operating under your own authority)
- General liability for owner-operator businesses
Who needs this coverage
Independent truckers who own their equipment — whether leased to a motor carrier or operating under your own MC authority. Your lease agreement or your own authority requirements determine exactly which coverages you need.
What drives your premium
- Leased vs. independent authority
- CDL experience and driving record
- Truck age, value, and type
- Operating radius
- Cargo types hauled
Common exclusions
- Liability while under dispatch (covered by carrier's policy if leased)
- Intentional acts and DUI
- Non-permitted drivers
- Mechanical breakdown and normal wear
Frequently asked questions
What insurance does an owner-operator need when leased to a carrier?
At minimum: non-trucking liability, physical damage on your tractor, and occupational accident coverage. Your motor carrier's policy covers primary liability while you're under dispatch, but you need NTL for personal use and bobtail coverage.
How much does owner-operator insurance cost?
Leased owner-operators typically pay $3,000–$6,000/year for NTL + physical damage. If you have your own authority, expect $10,000–$18,000+ for a full primary liability package. We find you the best rates from trucking-specific carriers.
What's the difference between bobtail and non-trucking liability?
Non-trucking liability covers personal use of your truck when you're not under dispatch. Bobtail specifically covers you when driving without a trailer (bobtailing). Some policies combine both; others are separate. We'll make sure you have the right coverage.
Related coverage
Get a free quote or call (321) 206-8035.