Owner Operator Truck Insurance
Owner operators need certain types of trucking insurance coverage solutions to operate properly and efficiently. Russell Agency understands your trucking insurance needs and can ensure you're properly covered.
Are you looking for Commercial Transportation Insurance?
Russell Agency offers commercial transportation insurance to new venture motor carriers and current authorities. Get a quote online today or call today.
Owner operators leased on to a motor carrier
It is very common for the motor carrier you will be leasing on to will provide primary liability, and cargo insurance.
Depending on how your business will operate, you might need additional trucking coverages, including:
Non-Trucking Liability - Coverage for when you operate your unit while not being under dispatch.
Physical Damage coverage - Coverage that will fix or replace your truck if it is in an accident or stolen.
Trailer Interchange - Physical damage coverage for trailers that you do not own. This coverage requires a written trailer interchange agreement.
Owner operators that have their own authority
If you are operating using your own authority, you will need to carry several coverages including:
Liability - Pays for damage that you cause to people and their property. Usually, this coverage will include Bodily Injury and Property Damage.
Physical Damage - Pays for if your vehicle is in an accident, a fallen tree, or other covered perils.
Motor Truck Cargo - Coverage for any cargo that is damaged or loss of the load.
General Liability - Pays for injuries or property damage that is associated with business activities not involving your truck.
What is the cost of owner operator truck insurance?
There are many factors that are calculated for your owner operator insurance quote including:
Business type
Location
Driving history
Vehicle weight/type
Radius of operations
Owner operator insurance quote
You can quote online or call us at 1-251-246-5822 and see how we can help you find the right owner operator truck insurance.