Owner-Operator Tools

What Coverage Do You Need?

Answer five questions about your operation and get a recommended coverage stack: the right policies, the right limits, and any filings your authority requires.

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In the meantime, you can review coverage options directly:

Primary Auto Liability — federally required for own-authority operators (FMCSA minimum $750,000)
Physical Damage — covers your truck against collision, fire, theft, and weather
Motor Truck Cargo — protects the freight you haul
General Liability — covers non-trucking incidents at shippers, receivers, and terminals
Trailer Interchange — required when you pull trailers you don't own under a trailer interchange agreement
Reefer Breakdown — covers refrigeration unit mechanical failure and load spoilage

Get a quote and an agent will help you build the right stack for your operation.