Owner-Operator Insurance Coverage
Flexible owner-operator insurance coverage for every haul
Protect your trucking business with insurance solutions designed for owner-operators.
Get the coverage you need with Marquee Insurance Group, DAT’s trusted commercial trucking insurance partner. With deep industry expertise and cutting-edge technology, Marquee simplifies the insurance process, making it easier for owner-operators to protect their trucks, cargo, and business.
- Connect with trucking insurance specialists
- Leverage market access with tailored solutions
- Optimize coverage for load boards
Connect with trucking insurance specialists
Expert guidance from specialists who understand the unique risks and needs of owner-operators.
Marquee Insurance Group offers dedicated support throughout your policy term, with a team of specialists who understand the trucking industry inside and out. From claims assistance to renewals and account management, their experts work with you to ensure your business stays protected and on the road to success.
Leverage market access with tailored solutions
Secure the best coverage at competitive rates with customized insurance solutions.
As a Marquee Insurance Group client, you gain access to A+-rated insurance markets, priority status with national providers, and instant quote options. Their transportation specialists work with you to find the best coverage tailored to your business needs.
Optimize coverage for load boards
Meet load board insurance requirements with flexible coverage that keeps your business moving.
Staying compliant with load board insurance requirements is essential for securing loads and keeping your business running smoothly. With on-demand access to insurance certificates and policy details, you can avoid delays and get on the road faster. Marquee Insurance Group connects owner-operators with flexible coverage options, making it easy to meet requirements while growing your business.
Owner-operators need several types of insurance to fully protect their business, truck, and cargo. Primary liability insurance is required by law and covers damages or injuries you cause to others. Physical damage insurance protects your truck against accidents, theft, and vandalism. Cargo insurance covers the freight you haul in case of loss or damage. Non-trucking liability and occupational accident insurance provide coverage when you’re not under dispatch and for work-related injuries. Choosing the right combination of these policies ensures you’re compliant, financially protected, and able to keep your business running smoothly in any situation.
On average, single owner-operators with their own authority can expect to pay $8,000 and $15,000 per year for full coverage. Those leased to a motor carrier typically pay less since the carrier often provides primary liability insurance. Shopping around, working with a specialized trucking insurance agency, and maintaining a clean driving record can help you secure better rates and more comprehensive coverage that fits your business needs.
Several factors influence the cost of your trucking insurance. Your driving record plays a significant role—accidents and violations can lead to higher premiums. The type of freight you haul also matters, with hazardous materials or high-value cargo increasing costs. Your truck’s age, value, and storage location impact physical damage insurance rates. Operating radius, experience level, and whether you run under your own authority or lease onto a carrier also affect pricing.
Owner-operators can lower their trucking insurance costs by maintaining a clean driving record, avoiding claims, and taking safety courses that may qualify them for discounts. Choosing a higher deductible can reduce premiums, though it means paying more out of pocket in the event of a claim. Bundling policies—such as combining liability, physical damage, and cargo insurance—can also help save money. Additionally, working with an insurance agency that specializes in trucking can ensure you get the best rates tailored to your operation.
Yes, but the type and amount of insurance you need depend on your lease agreement. Most motor carriers provide primary liability insurance, which covers damages or injuries to others in an accident. However, owner-operators are typically responsible for their own physical damage insurance to protect their truck, as well as cargo insurance, occupational accident coverage, and non-trucking liability insurance for times when they’re not under dispatch. Always review your lease agreement to understand what’s covered and work with an insurance agency to ensure you have the right protection for your business.
Protect your trucking business with Marquee Insurance Group
Keep your trucking business moving with flexible insurance solutions designed for owner-operators. Marquee Insurance Group offers tailored coverage, expert support, and seamless access to top-rated insurance markets, ensuring you stay compliant and protected on every haul.
Don’t leave your business vulnerable—get a customized insurance plan that meets your needs and keeps you on the road with confidence. Explore Marquee Insurance Group today to secure the right coverage for your operation.