Owner Operators

You are an owner operator, than you need products and services to keep you fully protected whether you’re under permanent lease to a motor carrier or if you work under your own authority. Owner operators either run under their own authority or under a lease to a motor carrier.

Owner operators running under permanent lease to a motor carrier.
Independent drivers leased to a motor carrier, have truck insurance coverage needs that are mainly determined by the lease agreement you have with your motor carrier. In most cases, a motor carrier provides Primary Liability insurance coverage when you are working on their behalf. Liability insurance covers injuries or damage to other people or property if you're at fault for an accident. However, you may need to purchase other owner operator truck insurance coverages, including:

• Non-Trucking Liability insurance – Can provide protection for when you're not under dispatch.
• Physical Damage coverage - Can cover the cost of fixing or replacing your truck if it’s involved in an accident or stolen.
• Motor Truck Cargo insurance - Provides coverage for loss or damage to the load you’re hauling.

Owner operators working under their own authority.
If you are operating under your own authority you will need to carry your own commercial trucking insurance coverages, including:

• Liability insurance - Pays for damages that you cause to other people and their property and includes Bodily Injury Liability insurance and Property Damage coverage.
• Physical Damage coverage - Pays for repairs to your vehicle if it's damaged in an accident, whether it's caused by a collision with another vehicle or by a “gator” in the road.
• Motor Truck Cargo insurance – coverages that can pay for damages to the cargo that you’re hauling in case of fire, theft, or an accident.
• Motor Truck General Liability insurance – this coverage pays for injuries or property damage you cause as a result of business activities not directly related to operating your truck.

CALL US TODAY AND WE WILL ASSIST YOU WITH YOUR OWNER OPERATOR INSURANCE NEEDS.