Operator working under someone’s authority

If you are an owner operator working under someone’s authority, you will need the following coverages:

Non-Truck Liability Insurance

It covers you when you use your truck for personal use, when you are in your home state and off duty, like going shopping or travelling to sporting event. This coverage is designed to protect you from gap in primary liability coverage provided to you by the trucking company. Non truck liability does not cover you if you are carrying cargo or dispatched to another state by your carrier.

Physical Damage

There two types of coverage normally offered and purchased:
Collision Coverage – pays for damages to your truck caused in a motor vehicle accident (regardless of fault).
Comprehensive Coverage – pays for damages to your vehicle caused by other than collision incidents, such as fire, vandalism, falling objects and theft.

When you purchase physical damage coverage, carefully consider your vehicle’s condition and research its market value, so our agents can help you purchase proper limits of coverage.

Operating under your own authority

If you are operating under your own authority (you have a DOT number), you will need a combination of the following coverages:

Commercial Auto Liability

This is a required coverage that pays for injuries and damages caused by your negligence. Such as for repairs to another vehicle or pain and suffering pay out to a pedestrian or driver of another vehicle. If you are For-Hire trucker, majority of shippers will require you to carry limits of $1,000,000. Liability insurance is required for insurance companies to complete your Federal, State and Local fillings.

Motor Truck Cargo

Commonly referred to as cargo, this coverage provides protection to the freight or commodities hauled in your truck if it was damaged due to a motor vehicle accident or natural disaster. Majority of shippers will require you to purchase minimum limits of $100,000. Many insurers have strict policy conditions, therefore, please make sure to discuss your operations and commodities hauled with our agent to secure proper coverage.

Reefer Breakdown Coverage

Is purchased with Cargo coverage by truckers hauling perishable commodities. This coverage provides legal liability for losses caused by spoilage or change in temperature due to sudden and accidental breakdown of refrigeration unit of your vehicle.

Trailer Interchange

Is a type of Physical Damage coverage usually purchased by truckers hauling trailers under the Trailer Interchange Agreement. This coverage only applies when a trailer is attached to the insured truck and there is a written trailer interchange agreement.

General Liability

It protects you from injuries and property damages caused to other parties due to activities not directly related to operating the truck. Such as customer’s slip and fall incidents at your facilities or negligent acts of your driver when in scope of your operations (other than motor vehicle accident).

Underinsured Motorist

This coverage pays you for injuries sustained in a motor vehicle accident caused by negligence of underinsured party. Underinsured party is someone who has auto liability limits that are lower than the value of your claim.

Uninsured Motorist

This coverage pays you for injuries sustained in a motor vehicle accident caused by negligence of uninsured party.

Medical Expenses

Depending on state, this coverage may cover your and/or pedestrian’s medical expenses incurred due to motor vehicle accident.

Our Latest Success Stories:

February 2024

STATE CLIENT’S CASE PRICE PER TRUCK
Illinois Dry van, mostly amazon and mail, liability, cargo and physical damage $16,500
Pennsylvania Flatbed operations, liability, cargo and physical damage $15,300
Pennsylvania Cargo vans, liability, cargo and physical damage $8,200
New Jersey Dry vans, with claims and violations, liability, cargo and physical damage $25,000
Pennsylvania Dry vans fleet, liability and cargo $12,700
Pennsylvania Car hauler, 0% loss ratio, liability, physical damage and cargo $9,800
Ohio Dry van, liability and cargo with prior claims $15,300
Pennsylvania Car hauler, liability and cargo $14,600
New Jersey Refrigerated goods hauling, liability and cargo $16,500
Tennessee Dry vans, liability and cargo $10,800

January 2024

STATE CLIENT’S CASE PRICE PER TRUCK
Pennsylvania Car hauler with prior claims, liability, cargo and physical damage $19,000
New Jersey Dry van fleet, liability and cargo $14,000
Texas Straight trucks fleet, liability and cargo $11,500
Ohio Cargo vans, liability and cargo $8,000
New Jersey Car hauler, exceptional safety scores and loss ratio, liability and cargo $7,400
Pennsylvania Dry van operations, small fleet, liability, cargo and physical damage $14,800
Ohio Straight trucks, liability, physical damage and cargo $8,800
Pennsylvania Flatbed operations, liability, cargo and physical damage $12,500
Tennessee Dry vans, liability, cargo and trailer interchange $13,200
South Carolina Refrigerated goods hauler, liability, cargo with reefer breakdown and physical damage $12,800

December 2023

STATE CLIENT’S CASE PRICE PER TRUCK
Pennsylvania Towing operations, liability and on hook coverage $9,200
New Jersey Lapse in coverage and prior claims, liability and cargo with reefer breakdown $16,500
Texas Cargo van, long haul, liability, physical damage and cargo $9,900
Ohio Ohio dry van fleet mostly hauling for Amazon, auto liability $10,200
Pennsylvania Car hauler, auto liability, cargo and physical damage $14,600
Ohio Dry van new venture, inexperienced driver, liability, cargo, trailer interchange and general liability $17,700
Pennsylvania Flatbed, auto liability, cargo, physical damage and general liability $12,600
Maryland New venture, liability, cargo, trailer interchange and general liability $12,500
Kentucky Non truck liability and physical damage $2,200
Pennsylvania Dry van, liability, cargo, physical damage and general liability $10,600
Ohio Dry van fleet, liability, cargo, physical damage and trailer interchange $14,000
Illinois Non truck liability and physical damage for a new truck $5,200

November 2023

STATE CLIENT’S CASE PRICE PER TRUCK
South Carolina Long haul trucking, refrigerated goods, liability, cargo and physical damage $8,700
Ohio Dry van, new venture, liability and cargo $12,200
Illinois Cargo vans, long haul, auto liability $7,150
Texas Dry van, new venture, liability, physical damage, and cargo $18,500
Pennsylvania Cargo van fleet, long haul, liability, cargo, and physical damage $7,800
Illinois Car haulers with claims, auto liability, physical damage and cargo $21,000
Pennsylvania New venture dry vans, liability, cargo and physical damage $13,800
Ohio Dry vans fleet, mostly Amazon, long haul, auto liability $9,000
Pennsylvania Car hauler, hotshot, many years in business, liability, cargo and physical damage $5,200
Illinois Dry vans, auto liability, cargo and general liability $11,300

October 2023

STATE CLIENT’S CASE PRICE PER TRUCK
Illinois Car haulers hotshots, liability, physical damage and cargo $11,500
Tennessee Dry van fleet, auto liability and cargo $16,500
Pennsylvania Reefer fleet, auto liability and cargo with reefer breakdown $14,000
New Jersey Dry van, liability with cargo $14,300
Tennessee Auto liability with cargo dry van $13,800
Pennsylvania Towing operations, lability, on hook and physical damage $10,200
Ohio Cargo van, liability, cargo and physical damage $8,400
Pennsylvania Car hauling fleet, liability and cargo $16,000
North Carolina Non truck liability and physical damage for a new truck $4,300
Ohio Auto liability and cargo for dry van $7,400

September 2023

STATE CLIENT’S CASE PRICE PER TRUCK
New Jersey Straight truck, auto liability, physical damage and cargo $12,000
North Carolina Cargo van fleet, liability, cargo and physical damage $9,200
New Jersey Reefer, auto liability, physical damage and cargo $17,000
Pennsylvania Car hauler, auto liability, physical damage and cargo $16,500
Ohio Dry van, auto liability, cargo, trailer interchange and general liability $12,500
South Dakota Fleet 30+ units, liability and cargo $13,100
Ohio Cargo van, liability and cargo $6,300
Pennsylvania Non truck liability and physical damage $2,600
Pennsylvania Car hauler, auto liability and cargo $12,400
Texas Non truck liability and physical damage $2,400

Show all

Get a personal quote.

Insurance Companies We Work With:

Accredited Surety and Casualty Company
Agency Insurance Company (AIC)
American Inter Fidelity
Exchange
A-One Commercial Insurance
ASPEN AMERICAN
INSURANCE
Bell & Clements LTD
Berkshire Hathaway
Canal Insurance
Canopius
Canopius US Insurance Inc
Capitol Specialty Insurance
CNA
County Hall Insurance
Crum & Forster
DB Insurance
Falls Lake National Insurance

Great American Insurance
Great Lakes Insurance SE
Hiscox
IAT Insurance Group
James River Insurance
Knight Specialty Insurance
Lancer Insurance
Lexington Insurance
Lloyds of London
Maxum Indemnity
Milford Casualty Insurance
National Fire Insurance
National General Insurance
NEXT
NICO
Northfield Insurance
Northland Insurance
Occidental Fire and Casualty

Palomar
Pan American
Philadelphia Insurance
Companies
PMA Companies
Prime Insurance
Progressive
Scottsdale Insurance
Shepherd Compello
Star Mutual
Trisura Specialty Insurance
United Financial Casualty
UPMC
USLI
Valley Forge Insurance
Wesco Insurance
White Pine Insurance
Work Partners

Lloyds of London
Maxum Indemnity
Milford Casualty Insurance
National Fire Insurance
National General Insurance
NEXT
NICO
Northfield Insurance
Northland Insurance
Occidental Fire and Casualty
Palomar
Pan American
Philadelphia Insurance
Companies
PMA Companies
Prime Insurance
Progressive
Scottsdale Insurance
Shepherd Compello
Star Mutual
Trisura Specialty Insurance
United Financial Casualty
UPMC
USLI
Valley Forge Insurance
Wesco Insurance
White Pine Insurance
Work Partners

Accredited Surety and Casualty Company
Agency Insurance Company (AIC)
American Inter Fidelity
Exchange
A-One Commercial Insurance
ASPEN AMERICAN
INSURANCE
Bell & Clements LTD
Berkshire Hathaway
Canal Insurance
Canopius
Canopius US Insurance Inc
Capitol Specialty Insurance
CNA
County Hall Insurance
Crum & Forster
DB Insurance
Falls Lake National Insurance
Great American Insurance
Great Lakes Insurance SE
Hiscox
IAT Insurance Group
James River Insurance
Knight Specialty Insurance
Lancer Insurance
Lexington Insurance