Owner-operator insurance built around how you actually run.
Whether you run your own authority or lease on, we shop the specialty markets that actually want your business.
Two ways owner-operators buy insurance
Under your own authority
Primary auto liability, MCS-90, physical damage, motor truck cargo, GL. We handle BMC-91 filings with FMCSA.
Leased on to a motor carrier
Non-trucking liability (bobtail), physical damage, occupational accident. Your carrier's policy covers you dispatched.
Coverages we shop
- Primary liability (with MCS-90)
- Non-trucking / bobtail liability
- Physical damage (tractor & trailer)
- Motor truck cargo
- Occupational accident
- Workers' compensation
- General liability
- Trailer interchange
Owner-operator FAQ
What does an owner-operator policy usually include?
Primary liability (or non-trucking liability if leased on), physical damage on tractor and trailer, motor truck cargo, and often occupational accident or workers' comp.
Do I need MCS-90 if I'm leased on?
The carrier you're leased to typically holds the MCS-90 under their authority. If you have your own MC number, yes, MCS-90 sits on your policy.
Can new authority get insured?
Yes, but the market is narrower and premiums are higher. Expect $14K–$22K for a new-authority single truck in Washington in 2026.
Ready for a real quote from a real person?
Independent agency. Multiple A-rated carriers. Straight answers.