Owner-Operator Trucking InsuranceTruck Insurance for Owner-Operators
Tell us what you haul, where you operate and whether you run under your own authority or lease onto a carrier. We'll help identify applicable coverage options.
An owner-operator’s insurance needs depend heavily on whether you operate under your own MC/USDOT authority or lease onto an established motor carrier under a permanent lease agreement.
- Licensed in: Georgia & authorized states (view matrix)
- Based in: Atlanta, GA, USA
- No obligation to request a quote
- No SSN or payment required in the initial step
Multi-Carrier Shop
Compare multiple US insurance carriers from one single online application.
Fast COI & Filings
Prompt certificates of insurance (COI), BMC-91 & SR-22 filing support.
New Authorities Welcome
Dedicated programs for new USDOT/MC numbers, box trucks & owner-operators.
Licensed Independent Advice
Transparent coverage comparisons with zero obligation to buy.
Coverage Options
Core coverages evaluated for Owner-Operator Trucking Insurance
Coverage limits, deductibles, and endorsements are structured around your equipment, contracts, and operating authority:
- Own Authority Package: Primary Auto Liability, Motor Truck Cargo, Physical Damage & Trailer Interchange
- Leased-On Package: Non-Trucking Liability (NTL), Physical Damage, and Bobtail options per lease contract
- Electronic FMCSA filing coordination (for active authorities) and certificate issuance
- Customized deductibles and stated-value equipment protection
Intended Customer Profile
Who this insurance program helps
- Independent owner-operators running under their own interstate or intrastate authority
- Owner-operators permanently leased to a motor carrier needing NTL and Physical Damage
- Single-truck tractor-trailer, flatbed, reefer, dry van, and hotshot owner-operators
- Experienced company CDL drivers transitioning into truck ownership
Key Operational Risks Addressed
- • Coverage gaps between a motor carrier’s primary liability policy and off-dispatch personal use
- • Out-of-pocket tractor repair or total loss when physical damage valuation is outdated
- • Uninsured trailer damage when pulling non-owned trailers under interchange agreements
- • Freight claim disputes when cargo exclusions conflict with broker rate confirmations
What influences your premium
Premiums vary materially by state, authority age, driving history, equipment value, cargo, radius, limits and loss history. Key underwriting cost drivers include:
- Operating under your own new or established authority versus leasing onto a carrier’s authority
- CDL experience, MVR clean history, and prior insurance continuity
- Tractor model year, stated value, trailer type, and commodities hauled
- Garaging state/ZIP and typical operating lanes or radius
Underwriting considerations
- Verification of lease status (own authority vs. leased to a motor carrier with a written lease)
- Valid CDL (where required by vehicle weight/class), acceptable MVR, and verifiable driving experience
- Accurate tractor and trailer VINs, current market/stated values, and garaging details
Common exclusions & terms to verify
- Non-Trucking Liability (NTL) is strictly limited to non-business, off-dispatch use and is not a substitute for Primary Auto Liability
- Bobtail and Non-Trucking Liability have distinct policy definitions; leased operators must verify exact wording required by their motor carrier lease
What to have ready for an accurate quote
- USDOT / MC number (if operating under your own authority) or copy of motor carrier lease requirements
- Tractor and trailer VINs, year, make, model, and stated value
- CDL number, state, date of birth, and years of commercial driving experience
- Commodities hauled, operating radius, and loss runs if previously insured
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View Trucking & Transportation Pillar Hub →Frequently asked questions
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