Owner-Operator Truck Insurance — Protection built for independent drivers
Insurance programs tailored for owner-operators who own and operate their trucks — covering liability, physical damage, cargo, and the business risks unique to independent drivers.
Why Owner-Operator Insurance Matters
As an independent truck driver, you shoulder equipment, cargo, and liability risk. The right insurance keeps you rolling after accidents, theft, or cargo damage and protects your livelihood.
Core coverages for owner-operators
Our owner-operator programs bundle coverages that matter most: liability for third-party injury and property damage, physical damage for your truck, cargo protection, and optional equipment and business interruption coverages.
Primary Liability
Covers bodily injury and property damage when you’re at fault on the road.
Physical Damage
Collision and comprehensive protection for your truck and trailer — from accidents to theft and weather damage.
Cargo Protection
Coverage for loss or damage to the freight you haul, including theft and loading/unloading incidents.
On-Road Support
Access to claims support, 24/7 roadside assistance options, and flexible endorsements to keep you moving.
Why choose Prime Haul for Owner-Operators?
Coverage Built for You
Tailored limits and endorsements designed specifically for owner-operators and small fleets.
Fast Claims Help
Responsive claims advocacy so you can get back on the road quickly after an incident.
Flexible Terms
Options for seasonal, owner-operator, and lease-on arrangements with competitive pricing.
Partner Support
Dedicated support for endorsements, certificates, and compliance with carrier requirements.
Ready to protect your truck and your business?
Get a custom owner-operator policy that balances protection and affordability — so you can focus on the road and your livelihood.