The Complete Owner-Operator Insurance Guide for 2025

Owner-Operator Insurance: A Complete Overview

As an owner-operator, your insurance needs depend heavily on how you operate — whether you're leased to a motor carrier or running under your own authority (OA).

Leased Owner-Operators

If you're leased to a motor carrier, they typically provide primary liability coverage while under dispatch. However, you still need:

• Non-Trucking Liability (Bobtail): When operating off dispatch
• Physical Damage: To protect your truck investment
• Occupational Accident: Replaces workers compensation

Owner-Operators with Their Own Authority

If you have your own MC number, you need the full package:

• Primary Liability ($750,000+ minimum for most cargo)
• Physical Damage
• Motor Truck Cargo
• General Liability (required by many shippers)
• Trailer Interchange (if pulling others' trailers)

How NITIC Helps Owner-Operators

We specialize in owner-operators and small fleets. Our agents understand your unique situation and will build a custom policy that gives you maximum protection at a competitive price.