Protecting Your Investment as a Truck Owner/Operator


As an owner/operator in the transportation industry, your truck is one of the most important aspects of your life and career. Chances are you spent a lot of time training and saving in order to purchase your own truck. Getting the right insurance policy is one of the best things you can to do protect your investment and livelihood.

Basic Insurance Requirements

Federal and state laws require truck owner/operators to carry insurance policies that meet certain minimum limits. For example, you will likely need to get a transport truck insurance policy that includes primary liability coverage for at least $750,000. If you transport hazardous materials, you may need to meet a much higher minimum liability limit.

An experienced agent can help you figure out how to optimize your coverage without drastically increasing your premiums. Even if you’ve had a loss in your professional history, it’s still possible to obtain adequate insurance coverage. Source:

Additional Coverage Types

Along with primary liability insurance, you may need to add specialized coverage to your policy. There are several types of insurance you can choose to add on to your policy. Some examples are cargo insurance, physical damage insurance, and bobtail insurance.

With all the transport truck insurance options available, you can craft a policy that meets your specific needs. Once you have the proper insurance coverage in place, you can focus on your job without worrying about a devastating financial loss.