Insurance for Owner-Operators
What you need depends on one question, whose authority you run under. Tell us how you operate and a licensed agent or partner may contact you with options.
- Leased-on drivers needing NTL and physical damage
- Owner-operators starting their own authority
- Occupational accident for independent contractors
Owner-operator insurance request
Leased on or running your own authority. Free.
Coverage
Coverage built around your lease
The motor carrier's policy covers some things; your own policies have to cover the rest.
How it works
How an owner-operator request works
Describe how you run
Leased on, own authority or switching, plus equipment and CDL years.
Answer a few questions
A licensed agent or partner may follow up about your lease and driving record.
Compare options
Look at limits, deductibles, exclusions and chargebacks.
Why it matters
The gaps sit between two policies
When you are leased on, the carrier's liability policy and your own coverage meet at the edges. Claims happen at those edges, such as when you are driving without a load or off dispatch.
Your lease
It must say who provides which insurance.
Off dispatch
Non-trucking liability fills that gap.
Your own injuries
Independent contractors may lack workers comp.
Chargebacks
Insurance deducted from settlements should be itemized.
Guides
Guides for owner-operators
Owner-operator questions
Are you an insurance company?
No. Truck-Insurance-Center forwards requests to licensed agents and partners. It does not issue policies.
Do I pay anything to request quotes?
Asking costs nothing. No fee is charged to drivers for sending a request.
Who will reach out?
Someone licensed who handles owner-operator policies may call, text or email you, using the contact methods you agreed to.
My carrier deducts insurance from my settlements. Is that allowed?
Federal leasing rules allow chargebacks if the lease spells out the items and amounts. Ask your carrier for the details in writing.
Can I get physical damage on an older truck?
Often yes. Insurers look at the truck's value and condition; very old or high-mileage trucks may have fewer options.
Signing a new lease or going independent?
Tell us how you run and what you pull. A licensed agent or partner may contact you about the coverage your situation calls for.