Owner-Operator Truck Insurance
Owner-Operator Truck Insurance
Let's keep you safe and focused on your business.
What Is Owner-Operator Truck Insurance?
Owner-operator truck insurance is a type of transportation insurance coverage that helps protect your business depending on your insurance needs.
Who needs owner-operator truck insurance?
Our owner-operator truck insurance solutions are tailored for drivers in a variety of situations. Whether you are a long-haul trucker, independent owner-operator driving with your own authority or under a permanent lease to a motor carrier, you need coverage to cover medical bills and protect your drivers, assets, and livelihood.
Why do I need owner-operator insurance?
As an owner-operator, you face the reality that a single serious accident or lawsuit could destroy your business — and your source of income. That’s why you have to take great care in selecting your owner-operator truck insurance.
The best protection starts with having an insurance broker who will take the time to get to know you and your business, help you understand your insurance options, and match you with the right coverage.
Affordable coverage for your business
Our market knowledge allows us to offer single owner-operator truck insurance with broad coverage and competitive pricing. And, we take care of the details — so that you, your business and your equipment are protected.
What does owner-operator truck insurance cover?
Your geographic location, driving experience and violations and accidents history may affect the coverage available to you, and the cost. Typically, you can expect owner-operator truck insurance coverage for:
- Liability or non-trucking liability (Bobtail)
- Physical damage
- Occupational accident and workers’ compensation
- Cargo or cargo-deductible buyback
- Passenger accident
- Medical
- Life and disability
- Personal property
Additional truck insurance coverage options
After obtaining basic owner-operator truck insurance coverage, there are a number of additional options to consider. Choose one or more of these options to fill any holes in your safety net and protect your business and drivers from specific perils:
- Trailer interchange: Driving under a trailer interchange agreement could leave you at risk. This additional coverage protects against any physical damage during this driving situation.
- Long-haul trucking: Extended trucking may leave you without coverage. If you’re a super-regional or nationwide truck owner-operator, your policy should include this coverage.
Learn how HUB’s owner-operator truck insurance can help your business. Contact a HUB broker to get started.
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