Truck insurance, explained by someone who places it
OOIHub exists to educate owner operators about commercial truck insurance: to answer any question about insuring your truck in plain language, without talking to a salesperson first, and to make sure you know exactly who to call when you are ready to decide.
In commercial truck insurance since 2011, first in trucking compliance, then placing coverage for owner operators, new ventures, and fleets. LinkedIn
Why this site exists
Most owner operators run lean, move between carriers, and make coverage decisions under time pressure with little guidance. General insurance content is written for fleets or for car owners. OOIHub is written for one reader: the single-truck operator trying to understand what a policy covers, what it should cost, and what the lease or the FMCSA actually requires.
Owner operators fall into two setups. Authority operators hold their own MC and DOT numbers and buy every coverage line themselves. Leased-on operators drive under a carrier's authority and still need their own policies for their equipment and personal use. The site is organized around those two situations.
What OOIHub is, and what it is not
OOIHub is
- An editorial reference on owner-operator insurance
- Written by a named, licensed specialist
- Sourced: every regulation links to the FMCSA or the eCFR
- Dated: every guide shows when it was last updated
OOIHub is not
- An insurance agency; it does not quote or bind
- Paid by carriers for placement or reviews
- Legal, tax, or financial advice
- A lead list; your information is never sold
How the site works
The experience behind it
Trucking Insurance Services, the agency that publishes OOIHub, places coverage for new authorities with no operating history, long-haul operations, reefer and flatbed haulers, and specialty freight. That is the first-hand experience behind the ranges and the failure modes this site describes.
OOIHub is published by Trucking Insurance Services, LLC. When a page tells you where to get a quote, it points to Trucking Insurance Services and says so on that page. Read the editorial standards.
Want a quote?
Trucking Insurance Services, the agency that publishes OOIHub, can quote your operation. You answer a few questions, a licensed agent calls you back, and nothing you submit is sold to anyone else.
OOIHub is published by Trucking Insurance Services, the agency recommended here. Read our editorial standards.