Owner-Operator Insurance

Coverage Built for Independent Truckers

Protect your investment and your livelihood with coverage designed specifically for owner-operators.

This Is For You If...

You operate independently and need comprehensive protection

You're An Independent Contractor

You lease your truck to a motor carrier or operate under your own authority. You need coverage that protects you when you're on the road and when you're between loads.

You Own Your Equipment

Your truck and trailer represent a significant investment. Physical damage coverage protects that investment from accidents, theft, fire, and other perils.

You Haul Under Your Own Authority

You have your own DOT/MC numbers and need primary liability coverage that meets FMCSA requirements and protects your business.

You Want Peace of Mind

You need an insurance partner who understands the unique risks owner-operators face and can provide fast service when you need it most.

Essential Coverages for Owner-Operators

Build a package that fits your specific operation

Auto Liability

Required by law and by most shippers/brokers. Protects against bodily injury and property damage claims when you're at fault.

  • Minimum: $750,000 required
  • Recommended: $1M - $5M+
  • Covers: Legal defense costs

Physical Damage

Protects your truck and trailer from damage due to collisions, theft, fire, vandalism, and other covered perils.

  • Covers: Truck & trailer
  • Options: Collision & Comprehensive
  • Deductibles: From $500

Bobtail / Non-Trucking Liability

Covers you when you're not under dispatch - driving empty to pick up a load or returning home after delivery.

  • Essential: Between loads coverage
  • Limits: $100K to $1M
  • Required: By most lease agreements

Cargo Insurance

Protects the freight you're hauling against damage or loss. Required by most shippers and brokers.

  • Limits: $5K to $1M+
  • Specialized: Reefer breakdown coverage
  • Flexible: Per occurrence or annual

Trailer Interchange

Protects you when hauling a trailer that isn't owned by you, as required by trailer interchange agreements.

  • Covers: Non-owned trailers
  • Limits: Match trailer value
  • Required: By most agreements

General Liability

Protects your business from non-auto related claims like customer injury at your office or damage to a shipper's property.

  • Covers: Premises liability
  • Limits: $300K to $2M
  • Essential: For business operations

Build Your Coverage Package

Every operation is different. Let us help you select the right coverages for your specific needs.

Owner-Operators Trust Us

Hear from fellow independent truckers

"After my previous insurer dropped me following a minor incident, TRISAFE found me coverage with better rates. Their agent understood my operation and got my COIs to brokers faster than anyone else."

Michael R.
Owner-Operator, Ohio

"When I had an accident in Texas, TRISAFE's claims assistance was outstanding. They walked me through every step and made sure my truck was repaired quickly so I could get back on the road. They truly care about truckers."

David M.
Long-Haul Owner-Operator

"I've been with TRISAFE for 3 years now. They've never raised my rates without reason, and they always explain any changes clearly. It's like having a partner who actually wants me to succeed."

Jennifer L.
Owner-Operator, Indiana