At minimum, you need primary liability ($750,000 for general freight), physical damage for your truck, and motor truck cargo ($100,000 minimum for most brokers). We also recommend occupational accident insurance since you are not covered by workers comp as an independent operator.

Yes. The carrier’s primary liability covers you while under dispatch, but not when you are driving bobtail between loads. You also need physical damage for your truck since the carrier’s policy does not cover your vehicle. Bobtail insurance and physical damage are essential for leased operators.

Yes. We specialize in new authority programs. Many carriers are reluctant to insure new authorities but we work with those that do. We also help you with the MCS-90 endorsement filing required by the FMCSA to activate your authority.

Occupational accident insurance is the owner operator’s substitute for workers compensation. Since you are self-employed, you are not covered by workers comp if you are injured on the job. Occupational accident covers your medical bills, disability income, and accidental death benefits — it is strongly recommended for all owner operators.

Yes. Many of our owner operator clients are Spanish-speaking truckers operating throughout California and nationally. We handle your entire insurance program in Spanish — from the initial quote to claims assistance.