Owner-operators running under a permanent lease may require the following coverage:
✔ Non-Trucking Liability – Protects you when you’re not under dispatch.
✔ Physical Damage Coverage – Helps repair or replace your truck if it’s involved in an accident or stolen.
✔ Motor Truck Cargo Insurance – Covers loss or damage to the cargo you’re hauling.
Owner-operators running independently may need:
✔ Liability Insurance – Covers bodily injury and property damage you cause to others.
✔ Physical Damage Coverage – Helps pay for repairs to your truck after a covered accident.
✔ Motor Truck Cargo Insurance – Protects against cargo loss or damage caused by fire, theft, or collision.
✔ Motor Truck General Liability – Covers injuries or property damage arising from non-driving business activities.