Owner-Operator Insurance
You run your own rig and your own business. Our local agents help protect them both from damage, liability and loss, keeping you on the road and in control.
Why does your business need it?
- Liability coverage is a legal requirement
- Major accidents can destroy your savings
- Theft or damage can halt your income
- Contract jobs require proof of coverage
What does our coverage do?
- Pays for repairs to your truck or trailer
- Covers cargo lost or damaged in transit
- Protects you even during non-business runs
- Helps with medical costs after injuries
Drive your business forward confidently.
Every trip brings new risks, from collisions to cargo loss. With the right coverage, you can protect your trucking business and stay on the road to success.
Talk to an agent
Truck damage
Collisions, storms and mechanical failures can render your rig inoperable, causing unexpected downtime, lost income and costly expenses.
Cargo loss
High-value goods are frequently targeted for theft and perishable freight can be lost during a delay or equipment failure.
Liability lawsuits
A major accident can lead to lawsuits that exceed federal coverage minimums and wipe out your business.
Injury on the job
A single fall or strain can require lengthy recovery and halt your income for untold months.
Regulatory fines
Missing proof of insurance or lapsed filings can suspend your operating authority and stall your revenue.
Our owner-operator insurance options include
Primary Liability
Essential for covering damages or injuries to others if you’re at fault in an accident.
Physical Damage
Protects your investment in your truck and trailer, covering repair or replacement costs.
Non-Trucking Liability
Provides coverage when you’re driving your truck without hauling a load for business purposes, such as personal errands.
Motor Truck Cargo
Covers the freight or commodity you’re hauling, safeguarding against loss or damage.
Occupational Accident Insurance
Offers benefits to owner-operators for work-related injuries, complementing your health insurance.
Numbers to know
Cargo theft
3,625
thefts were reported across North America in 2024. (FreightWaves, 2024)
Truck crashes
528K
large-truck crashes were recorded nationwide in 2023. (NHTSA, 2025)
Accident payouts
$90K
is the average settlement for truck accidents in the U.S. (Michael Kelly Injury Lawyers, 2025)
