Owner Operators

We Offer All Lines Of Insurance

Primary Auto Liability

Protects you from damage or injuries to other people as a result of a truck accident. This coverage is mandated by state and federal agencies and proof of coverage is required to be sent to them. We provide coverage limits up to $1,000,000. Pricing is dependant on region, driving records, and history of the trucking operation. For a more detailed description of this coverage, speak with one of our producers.

Non-Trucking Liability (Bobtail Coverage)

Provides limited liability insurance for owner-operators who are permanently leased to an FHWA regulated carrier. It provides limited liability protection when the owner-operator is not  under dispatch, nor pulling a loaded trailer. For example, this coverage would apply when the owner-operator gets their truck washed or brings their trucks into a shop for repairs. Once the owner-operator is under dispatch, they are covered under the Primary Liability insurance policy of the company that they are leased to.

General Liability

Protects the business for any property damage or bodily injury that might occur which does not involve a truck. Provides protection for injuries or property damage sustained while on your premises, using your products or services, or because of a breach of contract.

Non-owned Auto Liability

Provides vicarious liability coverage for bodily injury and damages to the property of others caused by a vehicle not owned by the insured but driven by an insured employee while on company business.

Physical Damage

Coverage for your truck and/or trailer. This coverage is for repair or replacement for damage resulting from things such as collision, fire, theft, hail, windstorm, earthquake, flood, mischief, or vandalism to your owned vehicles. Pricing is based on the current market value of your equipment. This coverage may be required by the lien holder of your vehicle.

Motor Truck Cargo

Protects the carrier in case of lost freight or damaged goods. There is a maximum limit per vehicle with this policy. Motor Truck Cargo coverage limits can range from $10,000 to $100,000 with excess limits available upon request. Pricing for this insurance is mainly dependant on the type of cargo being hauled. This insurance can have many exclusions such as unattended vehicle, maximum theft limitations on “targeted” commodities, etc…

Trailer Interchange

Coverage for the legal liability of truckers for loss or damage to non-owned trailers and equipment which are in the insured’s possession under a written trailer interchange agreement.

Umbrella / Excess Liability

Provides excess limits of liability over underlying auto and general liability limits.


Occupational Accident

Provides owner operators with an affordable source of indemnification for work accident injuries. This coverage offers important benefits for Accidental Death and Dismemberment, Accident Medical and Accident Disability Income. It is suitable and effective for owner-operators who do not fall under the requirements of worker’s compensation statutes.


Passenger Accident

Provides Accidental Death & Dismemberment and Accident Medical Benefit for authorized passenger of a driver.


Down Time Coverage

Provides a down time benefit at a specified limit if a covered auto is inoperable due to a covered loss subject to a 7 day waiting period.


Down Time Coverage

Provides coverage on an actual cash value basis for loss to personal property caused by theft from inside a covered auto or an accident involving a covered auto subject to specific exclusions and conditions.


Motor Carrier Deductible Buyback Coverage

Provides reimbursement of contracted obligation to Motor Carrier for covered auto deductibles not to exceed a specified limit per policy period and include deductibles for property damage liability, cargo, and motor carrier’s trailers.





(800) 748-0351
4808 Broadmoor Ave SE
Kentwood, MI 49512


(800) 938-7825
4625 East Bay Drive #227
Clearwater, FL 33764


(800) 873-8494
3245 Montgomery Hwy Ste 9
Dothan, AL 36303