8735 Dunwoody Place STE R Atlanta, GA 30350
If you’re leased to a motor carrier, the carrier’s policy may cover you while you’re under dispatch. Once you’re off duty or driving for personal reasons, that coverage usually stops. If you run under your own authority, the whole insurance package is on you. Mixing up these two setups is one of the most common and expensive mistakes owner-operators make.
We go through your lease agreement and dispatch setup with you, so you don’t pay for coverage your carrier already provides or miss coverage it doesn’t. The goal is a policy built around how you actually earn, not a one-size-fits-all trucking package.
See the minimum liability limit federal rules require for your operation. Shippers and brokers often ask for more.
For for-hire carriers hauling non-hazardous property in vehicles of 10,001 pounds or more.
Based on 49 CFR 387.9, checked October 2026. This is general information, not legal advice or a quote. Some carriers under 10,001 pounds, intrastate-only operations and passenger carriers follow different rules. A licensed agent will confirm what applies to you.
Enter your own numbers to see what insurance costs you for every mile you run. Nothing is saved or sent.
These results use only the numbers you enter and are for your own planning. They aren't a quote or a prediction of what a policy would cost.
Tell us whether you're leased on or running your own authority. A licensed agent will show you where your coverage stands and what it would take to close any gaps.