Who we insure
Owner-operator insurance
What you need depends on one question: are you running under your own MC, or leased to a carrier? Here's how it breaks down.
Own authority vs. leased on
When you're leased to a motor carrier, the carrier usually provides primary liability, and often cargo, while you're under dispatch. You cover the rest. With your own authority, all of it is on you.
| Coverage | Your own authority | Leased to a carrier |
|---|---|---|
| Primary auto liability | You buy it ($750,000+) | Usually the carrier's |
| Non-trucking liability (bobtail) | Not needed | You buy it; most leases require it |
| Physical damage | You buy it | You buy it |
| Motor truck cargo | You buy it | Check your lease |
| Occupational accident | Recommended | Often required by the carrier |
| General liability | Recommended | Sometimes required |
Thinking about getting your own authority?
Many owner-operators move from leased to their own MC to keep more of each load. We can quote both ways so you can compare, then handle your USDOT, MC, IFTA and IRP filings. See new authority insurance.
Common questions
What is bobtail insurance?
Bobtail and non-trucking liability are often used interchangeably. Both cover a leased owner-operator when driving off dispatch, like heading home after a delivery.
Do owner-operators need workers' comp?
Not for yourself if you have no employees, but occupational accident insurance is a good substitute, and many carriers require it.
Can I keep the same physical damage policy if I switch carriers?
Yes. Physical damage follows your truck, not your lease, so it stays with you when you change carriers.
Ready to get your trucks covered?
Talk to a trucking agent today. Quotes are free and there's no obligation.