Built for owner-operators
Owner-operator truck insurance done right.
Your truck is your business. Whether you run under your own authority or lease to a carrier, we build the coverage around how you actually operate — and back it with one licensed agent who knows your name.
In short
Owner-operators running their own authority typically need primary liability, plus physical damage and motor truck cargo. Owner-operators leased to a carrier typically need non-trucking (bobtail) liability, physical damage on their truck, and often occupational accident coverage. Road Ready Insurance places all of it with A-rated markets and one dedicated agent.
Coverage that fits
The coverages owner-operators actually need.
Primary liability
Required to run under your own authority. Covers bodily injury and property damage you cause to others.
Physical damage
Comprehensive and collision for your truck (and trailer) — protects the asset you depend on to earn.
Motor truck cargo
Covers the freight you haul against loss or damage. Most shippers and brokers require it.
Non-trucking liability (bobtail)
For leased owner-operators — covers you when you drive the truck off-dispatch, not under a carrier's coverage.
Occupational accident
Injury coverage for owner-operators who aren't covered by workers' comp — a common lease requirement.
Trailer interchange
Covers trailers you pull under an interchange agreement that you don't own.
Why owner-operators choose us
A partner for the long haul, not just the first quote.
- One licensed agent who knows your operation — not a call center
- Coverage that fits whether you run your own authority or lease on
- A-rated markets, priced right, not just fast
- New authorities welcome — get it right from your first load
- Straight answers on what you actually need (and what you don't)
Questions
Owner-operator insurance, answered.
Ready to run protected? Let's build your coverage.
Share a few details about your operation. A licensed agent responds within 2 business hours.