Owner Operator Insurance
If you're an independent truck driver, you need special owner operator insurance products and services to keep you fully protected under any and all circumstances. MyBigR
Independent Owner Operator Truck Insurance Under Permanent Lease
As an independent driver leased to a carrier, the carrier probably provides the majority of your liability insurance coverage. However, you may need to purchase your own physical damage insurance and liability insurance for when you drive your truck on your own time.
While some employers may offer to provide these additional insurance coverages, you can often get a better deal by purchasing them yourself. Plus, you'll be able to make choices to customize your policy to your needs and know exactly how much protection you're getting.
What Owner Operators Trucking Insurance Coverage Is Right For Me?
As an owner operator, your insurance needs are complex. If you are operating under your own authority you will need to carry your own primary liability insurance. And if you are working for another motor carrier, your coverage need will be determined under a lease agreement.
It's important to note that the motor carrier's commercial auto liability insurance may not cover you when you're not under dispatch. You will need Non-Trucking Liability insurance coverage to protect you when you're driving your truck for personal use.
In either case, you will need to provide physical damage coverage your most valuable asset - your truck.
At mybigrig.com we have you covered. We offer all of the owner operator trucking insurance coverages you'll need, as well as knowledgeable service representatives to answer any questions you have - all at great rates.
Primary Liability insurance - This mandatory owner operator trucking insurance pays for damages that you cause to other people and their property. Primary liability coverages for motor carrier insurance include:
Non-Trucking Liability insurance - This independent owner operator trucker insurance feature pays for damage to other people and their property for accidents you cause when you are driving your truck for personal use. Typically, the carrier's Primary Liability insurance does not protect you in these situations.
Physical Damage insurance - This type of owner operator insurance pays for repairs to your vehicle if it's damaged in an accident, whether it's caused by a collision with another vehicle or a falling tree branch. Additional owner operator trucking insurance options include:
Optional Owner Operator Truckers Insurance
Medical Payments insurance - Add this third party coverage to your owner operator truck insurance to pay medical bills for you and any passengers in your truck in case they are hurt in an accident or auto-related injury.
Uninsured Motorist insurance - Another wise option to add to your owner operator insurance is uninsured motorist coverage (where available), which pays for injuries and damages to you, and your vehicle caused by drivers who either don't have insurance, or don't have enough insurance to cover your injuries and damages.
Uninsured motorist insurance also protects you in case of a hit-and-run. This optional owner operator insurance coverage includes:
Cargo Insurance - Now offered in a limited number of areas, cargo insurance pays for damages to any cargo you're hauling. Call to find out if cargo insurance is available in your state.
Visit the Commercial Auto Coverages and Service section for a full list of all of our available insurance coverages.
Owner Operator Truckers Insurance Limitations
We have NO restricitions on radius. Our various insurance carriers will be able to insure you NO MATTER WHAT your situation is. This helps us provide superior owner operator insurance products and services for regional and local truck drivers.
Request a Free Commercial Auto Insurance Quote
For more information about our products or to request a commercial auto insurance quote contact us today at 1-800-747-5311.
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Danville, CA 94526
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