Primary liability
For owner-operators running under their own MC number.
Primary liabilityOwner-Operator Truck Insurance
Owner-operator truck insurance comes in two shapes. Under your own authority you carry primary liability with a federal filing, cargo, and physical damage. Leased on to a motor carrier you carry non-trucking liability and physical damage while the carrier's policy covers you under dispatch. Our agency writes single truck operations and small fleets in both structures from a licensed office in Las Vegas.
Get your owner-operator quote
Step 1 of 5
In short
Single truck and small fleet insurance for owner-operators, structured for own authority or leased-on operation, from a licensed Nevada agency.
- Own authority: primary liability with BMC-91 filing, cargo, physical damage.
- Leased on: non-trucking liability and physical damage; the motor carrier files its own liability.
- One licensed agent handles quote, binding and filings.
- Licensed Nevada insurance agency
- 20 years of insurance experience
- English and Spanish
- Federal and state filings handled
- Las Vegas office, 2620 Regatta Dr Suite 102
Coverages for this operation
Non-trucking liability
For leased-on operators when the truck is not under dispatch.
Non-trucking liabilityMotor truck cargo
What brokers and shippers require before they release a load.
Motor truck cargoWhat drives your rate
- Own authority versus leased on: this decides which policies you need at all.
- Years your authority has been active and your inspection record.
- Driving record and CDL experience.
- Truck type: tractor, dump truck or box truck.
- Radius and commodity.
- Truck and trailer values.
- Garaging ZIP.
How it works
Step 1: Tell us how you run
Own authority or leased on, truck type, USDOT number.
Step 2: We structure the policies to match
No paying for coverage your structure does not need.
Step 3: Bind and file
Filings submitted with the policy. Certificates issued to your broker or motor carrier.
This program is for owner-operators of truck tractors, dump trucks and box trucks running for hire.
Questions carriers ask
Does one truck cost more to insure than a fleet per truck?
Often yes, because a single truck has no fleet credit and the driver is usually the owner. Carriers rate the operation, the driver and the equipment; the count matters less than those three.
If I lease on, do I still need my own insurance?
Usually two policies: non-trucking liability for personal use of the tractor and physical damage on the truck itself. The motor carrier's liability covers you under dispatch. Read the lease; it will say what you must carry.
Can I move from leased on to my own authority mid-term?
Yes. The leased-on policies are replaced by a primary liability policy with a federal filing and cargo. Tell us before you file for authority so the filing and the activation date line up.
Related: Semi truck insurance, Non-trucking liability insurance, Trucking fleet insurance.