Tailored Protection for Independent Owner-Operators
Specialized Non-Trucking Liability (NTL), Physical Damage, Bobtail Insurance, and Occupational Accident (Occ-Acc) coverage designed specifically for leased drivers and independent truckers. Compare top commercial truck carriers side-by-side.
Insurance Built Specifically for Independent Truckers
Whether you operate under your own DOT authority or are leased on to a motor carrier, relying solely on a primary lease agreement leaves major coverage gaps. When your truck is unladen, off the clock, or driven for personal use, your motor carrier’s primary auto liability stops—leaving your personal assets exposed.
We customize owner-operator insurance packages tailored to your specific setup. From affordable Non-Trucking Liability and Bobtail coverage to comprehensive Physical Damage and Occupational Accident protection, we help independent drivers safeguard their rigs, revenue, and family’s future.
Essential Coverages for Independent Drivers
Protect your semi-truck, personal liability, and medical stability on and off the job.
Non-Trucking Liability (NTL)
Provides crucial liability protection when driving your truck for non-business, personal use—such as running personal errands, driving home, or taking your truck in for maintenance while off dispatch.
Physical Damage Insurance
Comprehensive & Collision coverage protecting your tractor and trailer against accidents, rollover, fire, theft, vandalism, hail, or animal strikes—24 hours a day, whether on load or off.
Bobtail Insurance
Covers liability when operating your tractor unit without a trailer attached, whether you are driving between dropped loads, traveling to pick up a trailer, or heading home after unhooking.
Occupational Accident (Occ-Acc)
An affordable Workers’ Comp alternative for independent contractors. Covers work-related medical expenses, disability income, and accidental death benefits if injured on the job.
Motor Truck Cargo Insurance
Protects customer freight against damage, loss, theft, or transit collision. Essential for independent owner-operators running under their own MC authority to satisfy broker mandates.
Breakdown & Rental Reimbursement
Optional riders covering roadside towing, mechanical breakdown assistance, and downtime/rental reimbursement to keep your cash flow steady during unexpected repairs.
Owner-Operator Equipment We Insure
Tailored policies for all classes of independent drivers, power units, and trailer types.
Owner-Operator Insurance FAQs
What is Non-Trucking Liability (NTL) and how does it differ from Bobtail Insurance?
Non-Trucking Liability (NTL) covers you when driving your truck for non-business, personal reasons (like driving to the store or home off dispatch). Bobtail Insurance covers liability whenever operating your tractor without a trailer attached—even if driving for a business purpose (e.g., driving to pick up a trailer).
Why do leased-on owner-operators need Physical Damage coverage?
While your motor carrier provides primary auto liability while under load, they usually do not cover physical damage to your personal tractor unit. Physical Damage insurance pays for repairs or total replacement if your truck is involved in an accident, stolen, or damaged by severe weather.
What is Occupational Accident (Occ-Acc) insurance?
Occupational Accident insurance provides medical, disability, and survivor benefits for independent contractors injured while working. It is significantly more affordable than traditional Workers’ Compensation and is frequently required by motor carriers before leasing on.
How much does owner-operator insurance cost for leased drivers?
For leased-on drivers who only need Non-Trucking Liability, Physical Damage, and Occ-Acc, typical premiums range from $1,500 to $3,500 per year depending on the stated value of your truck, driving record, and chosen deductibles.
How is physical damage value calculated for my semi-truck?
Physical damage is based on Stated Amount (the declared value of your truck) or Actual Cash Value (ACV). Setting an accurate stated value ensures you are fully reimbursed in the event of a total loss without overpaying on monthly premiums.
Does NTL cover me if I haul a load for cash on the side?
No. Non-Trucking Liability strictly excludes any commercial revenue-generating activities. If you are hauling freight for money, you must operate under primary auto liability and active motor carrier authority.
How fast can I generate Certificates of Insurance (COIs) for my leasing carrier?
Instantly. Once your policy is active, you can log into your online account 24/7 to issue and email official Certificates of Insurance (COIs) directly to your safety department or motor carrier.
Protect Your Rig & Livelihood Today
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