Your Truck, Your Business, Your Protection: Owner-Operator Insurance
Tailored coverage that puts independent truckers first. Get peace of mind with flexible plans and expert support, so you can focus on the miles ahead.
Challenges Owner-Operators Face
As an owner-operator, you wear many hats – driver, business owner, mechanic. Your insurance shouldn't be another burden. We understand the hurdles:
Fluctuating income vs. fixed insurance premiums.
Complex compliance and authority requirements.
High cost of repairs and downtime after an accident.
Coverage gaps when leased to a motor carrier (bobtail/NTL).
Givesurance provides clear, affordable insurance solutions that address these challenges head-on, letting you drive with confidence.
Essential Insurance for Owner-Operators
We ensure you have the core coverages required, plus options to protect you in every situation:
Primary Liability
Covers damages or injuries to others if you're at fault in an accident while operating under your own authority. Meets FMCSA minimums.
Physical Damage
Protects your truck and trailer from costs of repair or replacement due to collision, theft, vandalism, or natural disasters.
Motor Truck Cargo
Covers the value of the cargo you're hauling against loss or damage due to fire, theft, or collision.
Non-Trucking Liability (Bobtail)
Provides liability coverage when you're driving your truck for non-business purposes, or when not under dispatch (if leased).
General Liability
Covers incidents like customer injuries on your premises (if applicable), or damage your business operations cause, separate from truck operation.
Why Givesurance for Your Owner-Operator Policy?
Our specialists understand your unique needs, whether you're under your own authority or leased on.
We shop multiple A+ carriers to find you the best deal with payment plans that fit your cash flow.
Get your COIs instantly online, 24/7, so you never miss out on a load.
If the worst happens, we're here to help you get back on the road quickly and fairly.
What Owner-Operators Say About Us
“Givesurance got me better coverage for less money than my old policy. Their agent actually understood what bobtail insurance was for!”
“Getting my COIs used to be a nightmare. With Givesurance, it takes me 30 seconds on my phone. Game changer!”
Owner-Operator Insurance FAQs
Find answers to common questions about our insurance solutions
Ready to Secure Your Future on the Road?
Get a no-obligation quote for owner-operator trucking insurance today and drive with the protection you deserve.