What Owner Operators Need to Know About Trucking Insurance

Running Your Own Trucking Business? Start With the Right Coverage

As an owner operator, you’re responsible for every mile, every load—and every risk. Whether you’re based in California, making cross-country runs from Texas, or managing regional routes through Georgia or Arizona, having the right insurance is more than just a formality. It’s the protection your business needs to grow, move, and stay compliant.

At our agency, we specialize in truck insurance for owner operators who need fast service, flexible markets, and coverage that actually works. And with bilingual agents available at all times, you’ll always have someone who can walk you through the process—step by step, in your language.

Why Owner Operators Face Unique Insurance Challenges

Unlike large fleets that can spread out their risk and costs, owner operators are often viewed as higher risk by insurers—especially when applying as individuals or with limited driving history. That’s why it’s critical to work with an agency that understands the needs of independent drivers and works with high risk trucking insurance providers and non standard insurance markets.

We provide access to flexible policies across California, Texas, Georgia, and Arizona, designed specifically for one-truck businesses or solo drivers.

What Should Be Included in Your Policy?

• Auto Liability Coverage
  Required by state and federal authorities for legal operation.
• Physical Damage Insurance
  Protects your investment from theft, fire, or collision—whether or not you’re at fault.
• Motor Truck Cargo Coverage
  Essential if you're hauling freight that needs to be insured during transit.
• Bobtail & Non-Trucking Liability
  For when you're using your truck without a trailer or off dispatch.
• Fast Certificate Issuance
  We deliver COIs in under 10 minutes so you’re never stuck waiting to start a load.

Get Coverage That Works for You

We make it easy to get covered—fast. Whether you’re hauling freight through Phoenix, running local drops in Riverside, or managing seasonal contracts in Atlanta, we’ll help you get set up with affordable trucking insurance, accurate certificates, and bilingual service every step of the way.