If you’re an owner-operator, you need special truck insurance products and services to keep you fully protected whether you’re under permanent lease to a motor carrier or if you work under your own authority. Navigator understands your truck insurance needs and can help you select the truck insurance coverage you need to protect your business and your livelihood.
As an independent driver leased to a motor carrier, your owner operator truck insurance coverage needs are mainly determined by the lease agreement you have with your motor carrier. In most cases, a motor carrier provides primary auto liability insurance coverage when you are working on their behalf. Primary auto liability insurance covers injuries or damage to other people or property if you’re at fault for an accident.
However, you may need to purchase other owner operator truck insurance coverage, including:
While some motor carriers may offer these insurance coverages to you when you lease from them, we are often able to get you a lower premium. Plus, you’ll be able to make choices to customize your coverage to meet your individual needs and know exactly how much protection you’re getting. You will be able to add coverage features such as:
If you are operating under your own authority you will need to carry your own commercial truck insurance coverage, including:
Call 1-800-596-TRUCK(8782) for a free insurance proposal. You will receive help and guidance from one of our licensed insurance representatives.
Learn more about a commercial truck insurance proposal.