Commercial Trucker Insurance

Owner and operators need special truck insurance products and services whether they’re operating under permanent lease to a motor carrier or under their own authority. We understand the difference and can help you choose the best trucking insurance coverage to match your business and protect your livelihood.

Owner Operators with Their Own Authority

If you’re working under your own authority, you’ll need to carry your own commercial truck insurance coverages, including:

• Liability – Pays for damages that you cause to other people and their property. It normally includes Bodily Injury Liability and Property Damages Coverages

• Physical Damage – Pays for repairs to your truck if it’s damaged in an accident, whether its caused by a collision with another vehicle or a falling branch

• Motor Truck Cargo – Coverage for loss or damage to the load you’re hauling

• Motor Truck General Liability – Pays for injuries or property damage you cause because of business activities not directly related to using your truck

This isn’t an all-inclusive list. The federal Motor Carrier Safety Administration (FMCSA) and certain contractors likely have specific owner operator insurance requirements you’ll need to meet before you can start working. Make sure you’ve got the proper coverage in place before hitting the road.

Owner Operator Insurance Cost

Several factors influence the cost of owner operator truck insurance, including:

• Business type

• Coverage Needs

• Vehicle

• Driving History

• Location

• Operating radius

Owner Operator Truck Insurance for Long-Haul Truckers

We offer an unlimited radius in most states for super regional truckers who need primary liability coverage. A policy must have at least one semi-truck tractor listed and an operating radius of greater than 500 miles to be considered super regional. Radius is calculated as the crow flies. In other words your insurer will use the shortest distance between two points instead of road miles.