Trucking Insurance for Owner-operators

As an owner-operator, you need products and services to provide financial protection, whether under a permanent lease to a motor carrier or if you work under your authority.

Owner-operators running under permanent lease to a motor carrier may need the following insurance coverage:

• Non-trucking liability insurance may provide financial protection when you’re not under dispatch.
• Physical damage coverage may help repair or replace your truck if it’s involved in an accident or stolen.
• Motor truck cargo insurance may help cover loss or damage to the load you’re hauling.

Owner-operators working under their own authority may need the following insurance coverage:

• Liability insurance may help pay for damages you cause to others and their property, including bodily injury and damage coverage.
• Physical damage coverage may help pay for repairs to your vehicle after an accident.
• Motor truck cargo insurance may help pay for damages to the cargo you’re hauling in case of fire, theft or an accident.
• Motor truck general liability insurance may help pay for injuries or property damage you cause because of business activities not directly related to operating your truck.

Your agent may recommend additional coverage depending on your risks and liabilities.

Minnesota-based trucking companies must carry minimum amounts of commercial auto liability insurance to comply with state laws. You may also be subject to federal trucking insurance regulations. Your agent can help you understand how state and federal laws apply to your situation.

Contact Us

Contact Sebrite Agency in Hopkins, Minnesota, for appropriate trucking insurance coverage tailored to owner-operators.