How an Owner-Operator Request Works
Tell us how you run, then talk to someone licensed to quote it.
Owner-operator insurance request
Leased on or running your own authority. Free.
Describe how you run
Leased on, own authority or switching, plus equipment and CDL years.
Answer a few questions
A licensed agent or partner may follow up about your lease and driving record.
Compare options
Look at limits, deductibles, exclusions and chargebacks.
Start coverage
Send certificates to your carrier or have filings made.
Keep these handy
- Your lease agreement or carrier contract
- Truck year make model and VIN
- Lender name if financed
- Driving record details
- Your USDOT and MC numbers if you have them
Start with the lease
If you are leased on, the agent will want to know exactly what the lease requires: non-trucking liability with the carrier as additional insured, physical damage with certain deductibles, occupational accident from an approved plan and so on. Having the lease available speeds up the quote and avoids buying something the carrier will not accept.
Compare with the carrier's program
Many carriers offer insurance programs to leased-on drivers and deduct the premium from settlements. Those programs can be convenient. Ask for the coverage details in writing and compare them with quotes you get on your own, looking at limits, deductibles and what happens if you leave the carrier.
If you are planning to go independent
Say so on the form. Quotes for a new authority take longer, and you will want time to compare options before your lease ends. The agent may also explain which filings must be made and when.
Certificates and additional insureds
Once coverage is bound, your carrier will usually ask for a certificate of insurance showing it as certificate holder or additional insured. Ask the agent to send it directly to the carrier's safety or compliance department, and keep a copy in your cab file.
Signing a new lease or going independent?
Tell us how you run and what you pull. A licensed agent or partner may contact you about the coverage your situation calls for.