Owner-Operator Truck Insurance

Class Insurance Agency, an affiliated office of AIC Insurance

Direct answer: Class Insurance Agency helps owner-operators, new authorities, motor carriers, and trucking fleets shop owner-operator truck insurance options across the United States.

Call 360-450-2211 or request a trucking insurance quote.

Owner-Operator Truck Insurance built for trucking operations

This page is for trucking businesses that need coverage for independent truckers, leased drivers, and owner-operators running under their own authority. We focus on commercial trucking insurance, not personal home or auto insurance, so the quote conversation stays centered on trucks, drivers, cargo, radius, contracts, filings, and compliance.

Coverage depends on your authority, equipment, drivers, cargo, garaging location, routes, loss history, and contract requirements. We do not promise a specific rate or carrier; we help you gather the right information and shop available options.

Common coverage options

Primary auto liability
Motor truck cargo
Physical damage
Bobtail / non-trucking liability
Occupational accident
General liability
Trailer interchange

What to have ready for a quote

DOT/MC number if available
Business name, garaging address, and operating states
Truck and trailer details, including VINs if available
Driver names, dates of birth, license states, and experience
Cargo hauled, radius, contracts, and required limits
Current declarations pages or prior insurance history if available

Trucking insurance by state

Class Insurance Agency works with trucking businesses across the United States. Start with a national quote or review a state trucking insurance page below.

Related trucking insurance pages

Frequently asked questions

What insurance does an owner-operator need?

It depends on whether you are leased on or operating under your own authority. Common coverages include auto liability, cargo, physical damage, bobtail/non-trucking liability, and occupational accident.

Can new owner-operators get insured?

Yes. New owner-operators may have fewer carrier options and should be ready with driver experience, equipment details, cargo, and operating radius.

Is bobtail the same as non-trucking liability?

They are often discussed together, but the exact wording depends on the policy. The key issue is whether the truck is being operated outside dispatch or without a trailer.

Ready to quote owner-operator truck insurance?

Call 360-450-2211 or request a trucking insurance quote. Class Insurance Agency helps owner-operators and fleets find trucking insurance options that fit the way they actually run.

Owner-Operator Truck Insurance