4 Keys to Owner Operator
Truck Insurance

4 keys to Owner Operator Truck Insurance helps you understand Commercial Auto Liability, Physical Damage, Motor Truck Cargo and Trucking General Liability. If you would like to save 4 keys to Owner Operator Truck Insurance offline for future reference, please download our PDF to keep handy.  Please take a moment to view our short video for even more useful information.

For any questions you may have or to speak to an agent, feel free to contact us or give us a call at 330-864-1511

Click an image to read more detailed blog about each one of the four keys.

Owner Operator Commercial Auto Liability Insurance

  • You’ve hit someone or something and ‘you’re liable to get sued’
  • Primary liability covers Motor Carriers or Owner Ops 24/7
  • Non-trucking liability (NTL) covers the leased on Owner Op who is hauling on behalf of a Motor Carrier at the time of loss
  • Most requested limit of coverage is $1,000,000

Owner Operator Phys Dam Insurance

  • ‘Phys Dam’ is Physical Damage or Comp & Collision on your vehicle
  • Collision covers your truck if it is damaged by hitting something or overturns
  • Comp ‘comprehensively’ covers just about anything else that can happen like fire, theft, vandalism or animal hit

Owner Operator Motor Truck Cargo Insurance

  • Cargo insurance insures freight for fire, theft, collision or striking of a load
  • Premium is based on type of commodities with many excluded products including prescription drugs, tobacco and spirits
  • ‘Reefer’ is for refrigerated or temperature controlled freight
  • Most requested limit of coverage is $100,000

Owner Operator Truck General Liability

  • Differs from Commercial Auto Liability for events that occur while not driving
  • GL can include advertising, libel, slander, loading, unloading, operations, medical payments and damage to premises rented
  • Most requested limit of coverage is $1,000,000 per occurrence

Call us to check out your options! 330-864-1511

%d bloggers like this: