Owner-Operator Insurance
Single-Truck Authorities & Leased-On Contractors
Whether you run your own MC authority or you are leased on to a motor carrier, you need a different kind of insurance program than a 50-truck fleet. Truxsurance writes owner-operators as a primary class — with the right balance of Non-Trucking Liability, Physical Damage, Cargo, and Occupational Accident to keep you compliant and protected without overpaying.
Same-day indications available.
Some of the insurance markets we work with
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Carrier availability varies by state, operation type, fleet size, and underwriting requirements.
Who This Program Is For
Common Owner-Operator Underwriting Issues
This is what underwriters actually look at:
- First-year MC authority with no prior commercial auto history
- Coverage lapse during the lease-on / off transition
- MVR with violations from the personal auto policy
- Insufficient experience for the radius the operator wants to run
- Older tractor with high stated value relative to age
Most retail agents stop here. We do not.
How We Place Owner-Operator Coverage
We do not just submit applications — we structure them for the way underwriters actually decide.
Real Placement Example
First-year authority — one 2019 Freightliner Cascadia
Exposure
- Brand new MC authority issued 30 days prior
- Driver: 8 years CDL, clean MVR, prior company-driver employment
- 48-state radius, dry van freight
Result
- $1M Auto Liability + $100k Motor Truck Cargo bound
- Physical Damage at $80k stated value with $2,500 deductible
- MCS-90 and BMC-91 filings transmitted same day
Bound in 2 business days, all-in premium at the low end of the new-venture range. Driver started running the same week.
What Owner-Operator Insurance Costs
Real numbers — not guesses.
| Leased-on owner-operator (NTL + PD only) | $2,500 – $5,500 / year |
| Independent owner-operator (full primary) | $7,000 – $14,000 / year |
| First-year authority | $11,000 – $18,000 / year |
| High-risk MVR or new CDL | Custom — call for indication |
What Drives Pricing
- Driver age, CDL years, and MVR
- Operating radius and number of states
- Tractor year, model, and stated value
- Cargo type and average load value
- Loss history and any prior coverage gaps
Owner-Operator Coverages We Offer
Leased-On vs Independent — We Write Both
The right policy depends on whether you are running under your own authority or leased on to a motor carrier. We structure each program to match the lease.
- Leased-on operators: Non-Trucking Liability + Physical Damage on the tractor
- Independent operators: Full primary auto liability, cargo, and physical damage
- Trip-lease operators: hybrid programs with primary + NTL endorsements
- Occupational Accident as a workers comp alternative for 1099 drivers
Los Angeles / Southern California office
Local support for LA, Long Beach & the Inland Empire
Truxsurance714 W. Olympic Blvd., Suite 906
Los Angeles, CA 900151-888-254-0089
Our Los Angeles team supports trucking and drayage operations across the Port of Los Angeles, Port of Long Beach, the I-710 freight corridor, Commerce and Vernon, and Inland Empire warehouse markets in Ontario, Fontana, Riverside, and San Bernardino.
We help California motor carriers address CA DMV filing requirements, CARB fleet considerations, UIIA certificates, trailer interchange, cargo, physical damage, and liability limits for port-to-warehouse and multi-state freight.