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Coverage for Owner-Operators and Leased Drivers

Whether you're leased on to a carrier or running under your own authority, your insurance needs to match your exact setup — not theirs.

Leased vs. Independent Changes Everything

If you’re leased to a motor carrier, that carrier’s policy may cover you while dispatched — but leaves gaps the moment you’re off-duty or running personal miles. If you run under your own authority, you’re responsible for the full insurance package yourself. Getting this distinction wrong is one of the most common (and expensive) mistakes owner-operators make.

Coverage to Understand

  • Non-Trucking Liability (Bobtail) — covers you when you’re not under dispatch
  • Occupational Accident Insurance — an alternative to workers’ comp for owner-operators
  • Physical Damage — protects your investment in the truck itself
  • Cargo & General Liability — depending on whether you carry your own authority

How We Help

We walk through your lease agreement and dispatch arrangement with you so you’re not paying for coverage your carrier already provides — or worse, missing coverage they don’t. Our goal is a policy that matches your paycheck, not a one-size-fits-all trucking package.

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