truck insurance

Truck Insurance for Owner-Operators

If you run under your own authority, your truck insurance is what keeps you legal and keeps your MC active. We shop your policy across our trucking carriers and send back real numbers: down payment, monthly and paid-in-full.

What truck insurance covers

A commercial truck policy is a bundle of coverages. Most owner-operators carry:

Primary auto liability: injuries and damage you cause to others. This is the coverage the FMCSA requires and the one your filings are based on.
Motor truck cargo: the freight on your trailer. Most brokers want at least $100,000.
Physical damage: your own tractor and trailer, required if you finance or lease.
Non-trucking liability or bobtail: for leased-on drivers when they are off dispatch.
Trailer interchange, reefer breakdown and general liability when your contracts or freight call for them.

How much liability you need

Federal rules set the floor for for-hire carriers crossing state lines. For trucks rated 10,001 lbs or more, the minimum is $750,000 for general freight, $1,000,000 for oil and certain hazardous materials, and $5,000,000 for the most hazardous loads. In practice almost every shipper and broker asks for a $1,000,000 limit, so that is what we quote by default.

What drives the price

Underwriters price a truck on a handful of things: years with active authority, the driver's MVR and CDL experience, where you are garaged, what you haul, how far you run, your inspection and out-of-service history, and prior claims. New authorities pay the most in year one; the price usually comes down after 12 and 24 months of clean, continuous coverage.

Why shop with an independent agency

Each carrier has its own appetite. One may love a 3-year-old flatbed authority that another will not touch. Because we quote 15+ trucking carriers, we can match your operation to the ones most likely to give you a good number, and you only fill out one application.