Trucking Insurance · Owner-Operators
One truck with your name on the door. We price liability, cargo and physical damage for a single unit under your own authority, or non-trucking liability and physical damage when you lease on to a carrier.
Owner-operators get the best rates in trucking when the record is clean — and the worst service, because a one-truck account is small change to most agencies. It is not to us. Someone always answers seven days a week, and the certificate portal means you never wait on anyone for a COI.
Under your own authority we place $1M auto liability with filings, $100K cargo and physical damage. Leased on, you need non-trucking liability (bobtail) and physical damage, and often occupational accident instead of workers' comp. We will tell you which, and what your lease actually requires.
$1M liability with BMC-91/MCS-90, cargo and physical damage, GL for the contracts that ask.
Non-trucking liability, physical damage at your value, occupational accident if the carrier requires it.
Stated value, realistic deductible, rates typically 3% to 8%; gap coverage if the truck is financed.
Reefer breakdown, trailer interchange for drop-and-hook and port work.
Three clean years and a clean MVR is what unlocks the low end of the market — we shop it every renewal.
We re-market before renewal, not after the increase lands.
With three or more years in business and a clean MVR, $1,000,000 auto liability most often runs $7,000 to $14,000 a year depending on radius, commodity and garaging.
Usually the carrier's policy covers cargo; your lease will say. You will still need physical damage on your truck and non-trucking liability for when you are off dispatch.
Yes. Physical damage with the lender as loss payee, and we can add gap coverage so a total loss does not leave you owing the difference.
What Truckers Say
Real reviews from real DOT numbers — read them all on Google.
“Excellent customer service. Always available. This is an agency you can count on.”
“I'm a new owner op. He has helped me tons with shopping around finding something to fit the budget. Answers all my questions and very honest. He put up with me calling non stop when I first started. That is someone with patience and not after a quick dollar. Tbh if it wasn't for him I don't know if I would have even made it out on the road.”
“Informative and always available.”
