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.
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.
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.
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.
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.
Get a free quote or call (321) 206-8035.