Owner OperatorInsurance
Specialized coverage designed specifically for independent truck drivers who own and operate their own commercial vehicles. DOT compliant protection with competitive rates.
Coverage Options
From required federal liability to optional enhancements, we provide comprehensive insurance solutions tailored to your specific operating authority and business needs.
Primary Auto Liability
Required federal coverage protecting against third-party bodily injury and property damage claims from trucking operations.
- FMCSA Minimum $750K Coverage
- Higher Limits Available
- Interstate Operations
- Instant Certificates
Physical Damage Coverage
Comprehensive protection for your truck and equipment against collision, theft, vandalism, and weather damage.
- Collision Coverage
- Comprehensive Protection
- Agreed Value Options
- Flexible Deductibles
Motor Truck Cargo
Protection for freight you're hauling from pickup to delivery, covering loss or damage to customer goods.
- $5K to $250K Limits
- Loading/Unloading Coverage
- Refrigerated Cargo
- General Average Protection
Non-Trucking Use Liability
Personal use coverage when your truck isn't under dispatch, filling gaps in motor carrier policies.
- Personal Errands Coverage
- Bobtail Protection
- Off-Duty Accidents
- Gap Coverage
Trailer Interchange
Physical damage protection for non-owned trailers you use under interchange agreements with other carriers.
- Non-Owned Trailer Protection
- Interchange Agreements
- Comprehensive & Collision
- Industry Standard Terms
Occupational Accident
Medical and income protection for owner operators who aren't eligible for traditional workers' compensation coverage.
- Medical Expense Coverage
- Disability Benefits
- Accidental Death Benefits
- Workers Comp Alternative
Coverage by Operating Authority
Your insurance needs depend on whether you operate under your own DOT authority or lease to a motor carrier. We provide the right coverage for both situations.
Own Authority Operators
Independent truckers operating under their own DOT authority with complete control over their business operations and freight selection.
- Primary Auto Liability ($750K-$1M+)
- Physical Damage Coverage
- Motor Truck Cargo Insurance
- General Liability Protection
Leased to Motor Carrier
Owner operators working under permanent lease agreements with motor carriers, operating under the carrier's authority.
- Non-Trucking Use Liability
- Physical Damage Protection
- Trailer Interchange Coverage
- Occupational Accident Insurance
What Affects Your Insurance Costs?
Several factors influence your premium rates. Understanding these helps you make informed decisions about your coverage and find the best value.
Driving Record & Experience
Clean MVR records and trucking experience qualify for better rates and preferred coverage options with leading carriers.
Equipment Type & Value
Truck age, replacement value, and safety features affect both liability and physical damage premium calculations.
Cargo & Operating Authority
General freight, specialized hauling, hazmat, and operating radius each present different risk profiles and rates.
Coverage Limits & Deductibles
Higher liability limits and lower physical damage deductibles increase premium but provide comprehensive protection.
Business History & Claims
Established operators with good loss history and no recent claims qualify for competitive pricing and better terms.
Payment Terms & Billing
Annual payments typically offer discounts, while monthly billing provides cash flow flexibility for independent operators.
Owner Operator Insurance FAQ
Common questions about owner operator insurance coverage, requirements, and costs
Ready to Protect YourTrucking Business?
Join thousands of independent truck drivers who trust Moxie Risk Partners for their insurance needs. Get specialized owner operator coverage designed for your unique risks and requirements.
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Fast, competitive owner operator insurance quotes