Owner Operator Insurance

Owner operator insurance offers unique coverage tailored to meet your specific needs. There are different types of owner operators:

• Owner operators under permanent lease
• Owner operator under their own motor carrier number

No matter what type of owner operator you are, we have insurance options to provide top-tier coverage at an affordable price.

There are an estimated 587,000 owner operators in the United States. Trucking Insurance Services is trusted by over a thousand owner operators nationwide with protecting their semi truck, business, and livelihood. We are here to keep your truck on the road.

Owner Operators Under Permanent Lease

A motor carrier often provides primary liability insurance coverage when you are under permanent lease with them. This insurance generally covers damages or injuries to others or their property if you are deemed at fault in an accident while operating under their motor carrier.

Depending on your business operations and your owner operator lease agreement, you may need to purchase additional owner operator truck insurance coverage, including:

• Non-Trucking Liability or Bobtail Insurance – Liability coverage for when you’re using your semi truck for personal use and non business purposes.
• Physical Damage –  This coverage protects your insured semi truck and trailer for collision and other-than-collision incidents such as theft, vandalism, or contact with an animal.
• Trailer Interchange and Non Owned Trailer – Non owned trailer physical damage will pay to repair the non owned trailer for damages that occurred while it was attached to your semi truck. Trailer Interchange provides coverage for damages to trailers covered under a written trailer interchange agreement.

One of our agents can help determine which specialized owner operator truck insurance coverage best fits you and your needs.

Owner Operators Under Their Own Motor Carrier

When you operate under your own motor carrier number (MC Number), you’ll need to work with your insurance agent to purchase the right coverage. Your agent will advise you on limits required to activate your MC number. In addition, your cargo insurance must accurately reflect the commodities you frequently haul.

• Auto Liability – Commercial Auto Liability is a critical component of your trucking insurance policy. This coverage protects you if you’re found liable for bodily injury or property damage while operating an insured truck.
• Physical Damage –  This coverage protects your insured semi truck and trailer for collision and other-than-collision incidents such as theft, vandalism, or contact with an animal.
• Motor Truck Cargo – Coverage for loss or damage to the load you’re hauling under a bill of lading for a third party.
• Reefer Breakdown – This is an endorsement on Motor Truck Cargo. Reefer Breakdown coverage provides protection for loss of refrigerated cargo caused by a change in temperature because your refrigeration unit has an accidental breakdown.
• Trailer Interchange and Non Owned Trailer – Non owned trailer physical damage will pay to repair the non owned trailer for damages that occurred while it was attached to your semi truck. Trailer Interchange provides coverage for damages to trailers covered under a written trailer interchange agreement.
• General Liability – Commercial General Liability covers your business for property damage and bodily injury that occurs in the course of business, but does not involve the truck.