Owner Operator Insurance
Owner operators need special truck insurance product and services whether they're operating under permanent lease to a motor carrier or under their own authority.
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Owner operators under permanent lease to a motor carrier may need additional owner operator truck insurance coverages including:
Non-Trucking Liability - Protection for when you're using your vehicle for personal use and not under dispatch.
Physical Damage coverage - Covers the cost of fixing or replacing your truck if it's involved in an accident or stolen.
Trailer Interchange - Physical damage coverage for non-owned trailers being pulled under a trailer interchange agreement.
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Owner operators with their own authority will need to carry their own commercial truck insurance coverages, including:
Liability - Pays for damages that you cause o other people and their property.
Physical Damage - Pays for repairs to your truck if it's damaged in an accident, whether it's caused by a collision with another vehicle or a falling tree branch.
Motor Truck Cargo - Coverage for loss or damage to the load you're hauling.
Motor Truck General Liability - Pays for injuries or property damage you cause because of business activities not directly related to using your truck.
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Owner operator truck insurance for long-haul truckers
We offer an unlimited radius in most states for super regional truckers who need primary liability coverage. A policy must have at least one semi-truck tractor listed and an operating radius of greater than 500 miles to be considered super regional.
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