400+
Gave Insurance350+
Satisfied Clients90%
Success Rates
19
States CoveredOwner Operator Truck Insurance
As an owner-operator, your truck is your business—and your livelihood. Whether you're leased onto a carrier or operating under your own authority, Vatic Insurance delivers flexible, affordable, and FMCSA-compliant insurance packages designed specifically for you. From liability and cargo to physical damage and downtime protection, we make sure you're covered every mile.
What Is Owner-Operator Truck Insurance?
Owner-Operator Insurance is a customized trucking policy designed for independent drivers who own or lease their truck. It includes a combination of coverages to protect:
- You (the driver)
- Your truck
- The freight you haul
- The public and property around you
Vatic Insurance offers plans for both leased-on drivers and owner-operators with their own authority. Whether you're under dispatch or running independently, we match your coverage to your operation.
Who Needs This Coverage?
You need owner-operator truck insurance if you:
- Own or lease a truck and operate under your own DOT authority
- Are leased onto a motor carrier but responsible for insuring your own equipment
- Need comprehensive protection for your truck, freight, and business
- Haul general, reefer, flatbed, or specialized freight
- Want to stay compliant and protect your income
Types of Owner-Operator Coverage We Offer
At Vatic Insurance, we tailor your policy based on your authority status:
For Leased Owner-Operators
When leased to a carrier, you may not need primary liability, but you'll still need:
- Non-Trucking Liability (NTL) – Covers personal use when not under dispatch
- Physical Damage – Protects your truck from collisions, theft, fire, and more
- Occupational Accident or Workers’ Comp – Covers injuries while on the job (optional)
- Trailer Interchange – If you're hauling a trailer you don’t own
For Owner-Operators with Authority
Running under your own MC/DOT number? You'll need:
- Primary Auto Liability – Required by FMCSA for interstate operations
- Motor Truck Cargo Insurance – Protects the freight you haul
- Physical Damage Coverage – Covers your truck and trailer
- General Liability – Covers off-the-road incidents like property damage at delivery sites
- Downtime & Rental Reimbursement – Optional add-on to keep your business moving
Trusted by Top Insurance Providers in the Nation
We work with the most respected names in insurance to offer you the best coverage options at competitive rates.
Why Choose Vatic Insurance for Owner Operator Truck?
Truck Insurance Experts
We work exclusively with trucking professionals—no fluff, no generic business policies.
Instant Quotes & COIs
Get fast, accurate quotes and instant proof of coverage so you can start hauling right away.
Bundle & Save
Combine liability, cargo, and physical damage for better pricing and fewer headaches.
Support from Real People
Our U.S.-based agents know trucks, DOT rules, and how to get you covered—fast.
Where We Serve
Vatic Insurance provides owner-operator truck insurance across the United States, including:
Expanding Nationwide: If your state isn’t listed, contact us—we may already be serving your area or can provide tailored options based on your location.
What Affects Owner-Operator Insurance Cost?
Your premium depends on multiple variables, including:
- Driving history and CDL experience
- Type of cargo and equipment used
- Radius of operation (local, regional, long-haul)
- Truck value and condition
- Years in business
- Claims history
- Coverage limits and deductibles chosen
