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Why do owner operators need commercial insurance?
Owner operator truck insurance can cover lawsuits over property damage and injuries. Most states have requirements for auto liability coverage, which can protect you from the high costs of an auto accident. Client contracts might also have insurance requirements for motor carriers and shippers.
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Insureon's licensed agents help owner operators find insurance policies that match the unique risks of the trucking industry.
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What types of business insurance do owner operators need?
These policies cover common risks faced by owner operator truckers.
Commercial auto insurance
This type of commercial truck insurance coverage can pay for a trucking company's legal defense costs in an accident. It can also cover vehicle theft and vandalism.
BEST FOR
- Bodily injury caused by your truck
- Theft of a semi-truck
- Physical damage coverage
General liability insurance
A general liability policy covers accidents that harm someone outside your company or their property, such as a slip-and-fall injury in a dispatch office or on grounds used for storage.
BEST FOR
- Third-party medical expenses
- Third-party property damage
- Libel and slander lawsuits
Workers' compensation insurance
Most states require workers' comp for trucking businesses with employees. It also covers work-related medical bills for sole proprietors, which personal health insurance could deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Lawsuits from employee injuries
Business owner's policy
A BOP is a cost-effective way for owner operators to buy general liability and commercial property insurance together. It protects against common lawsuits and property damage.
BEST FOR
- Accidents that harm clients
- Stolen or damaged items
- Business interruption insurance
Cyber insurance
This policy helps owner operators recover financially from cyberattacks and data breaches. It's sometimes called cyber liability insurance or cybersecurity insurance.
BEST FOR
- Ransomware attacks
- Data breach investigations
- Customer notification costs
Looking for different coverage? See more policies.
How much does owner operator trucking insurance cost?
Insurance companies look at different aspects of your trucking business to determine your commercial insurance rates, including:
- Business revenue
- Type of vehicle and its value
- Types of materials transported
- Driving record
- Policy limits and deductibles
- Claims history
- Endorsements, like bobtail coverage
How do I get owner operator insurance?
It's easy to get owner operator or towing business insurance if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy insurance products online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare coverage options and choose a policy
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right types of insurance for your trucking business, whether you work independently or hire truck drivers.
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