Owner-Operator Insurance

Owner-operator coverage depends on how you run. Under your own authority you need primary commercial auto, cargo, and physical damage; leased onto a motor carrier, you typically need non-trucking liability (bobtail) and physical damage instead.

Key exposures

• Leased-on to a carrier vs. running under your own authority
• Bobtail / non-trucking use (driving without a load or off dispatch)
• Physical damage to your tractor and trailer
• Cargo responsibility
• Income protection and occupational accident

Coverages you typically need

Under your own authority: primary commercial auto liability, motor truck cargo, physical damage, and filings. Leased on: non-trucking liability (bobtail), physical damage, and often occupational accident coverage.

Filings & authority

If you run under your own authority, you carry the filings (MCS-90). If you're leased on, the motor carrier usually maintains primary liability and filings while you cover bobtail and your equipment.

FAQ

What's the difference between bobtail and primary liability?

Primary liability covers you while under dispatch with a load; bobtail (non-trucking liability) covers you when driving without a load or off the carrier's dispatch. Leased-on operators usually need bobtail.

Do I need cargo coverage if I'm leased on?

Sometimes the carrier provides cargo coverage; confirm your lease so you don't double-buy or leave a gap.

General information from Focus West Insurance Solutions (CA Lic. #0M32679), not coverage advice; coverage, filings, and eligibility vary by operation, authority, and carrier. Related: transportation & trucking insurance · motor truck cargo · hired & non-owned auto.