Primary Auto Liability
The federally required coverage that pays third parties when your truck causes injury or property damage. Required for every operator running under their own MC authority.
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Coverage
Trucking Insurance Coverage for Owner Operators
Physical Damage
Pays for damage to your own truck and trailer from collision, fire, theft, vandalism, or weather. Required if your equipment is financed; recommended for everyone who can't replace their truck out of pocket.
Learn more →Motor Truck Cargo
Covers the freight you're hauling against loss or damage in transit. Most brokers require it, even when FMCSA doesn't.
Learn more →General Liability
Covers business activities outside the cab — slip-and-falls at the dock, damage at a shipper's facility, premises liability. Often required by shippers and brokers before they'll work with you.
Learn more →Trailer Interchange
Covers damage to non-owned trailers you pull under a written interchange agreement. Required if you're regularly pulling pool trailers or carrier-owned equipment.
Learn more →Reefer Breakdown
Covers cargo loss when a refrigeration unit malfunctions in transit. A separate endorsement that fills the biggest gap in standard cargo policies for reefer haulers.
Learn more →Non-Trucking Liability
Covers leased-on owner operators when operating their truck off dispatch. Picks up where the carrier's primary liability stops.
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