Complete Coverage Package

Owner-Operator Insurance Package

One call, one agent, every coverage you need as an independent hot shot hauler. We bundle all your policies, shop every carrier, and deliver the best complete package for your operation.

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Hot shot owner-operator with truck

What's in the Package

Every coverage type an independent hot shot owner-operator needs, bundled for maximum savings.

Non-Trucking Liability

Off-dispatch and personal use protection

Required by most carriers

Motor Truck Cargo

Freight protection from pickup to delivery

Required by most brokers

Physical Damage

Collision and comprehensive for truck + trailer

Required if financed

Occupational Accident

Medical, disability, and death benefits

Highly recommended

General Liability

Third-party business liability off the road

Required by many shippers

Package Savings

Bundle all coverages and typically save 10–20% versus buying each separately from different carriers.

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Sample Package Costs

Leased Owner-Operator

F-350, clean record, $80K truck+trailer, $100K cargo

NTL$1,100
Cargo$1,400
Physical Damage$3,200
Occ/Acc$1,200
$6,900/yr~$575/mo

Own Authority Operator

RAM 3500, 2 minor violations, $60K truck, $250K cargo

Primary Liability$7,500
Cargo$2,400
Physical Damage$2,600
Occ/Acc + GL$2,400
$14,900/yr~$1,242/mo

Sample rates for illustration only. Your actual rate will vary. Call or get a quote for your specific situation.

Common Questions

What's included in the owner-operator package?
Our owner-operator package bundles all the core coverages: non-trucking liability (or primary liability if you have your own authority), motor truck cargo, physical damage for truck and trailer, and occupational accident. We build it around your specific operation.
Is a package cheaper than buying each coverage separately?
Almost always yes. Bundling multiple coverages with the same carrier (or through our package programs) typically saves 10–20% versus buying each policy individually from different carriers.
Can I add to or remove coverages from the package?
Absolutely. We build each package around the individual trucker's needs. If you don't haul high-value cargo, we adjust accordingly. If you need higher limits on one coverage, we customize.
Do you work with new owner-operators?
Yes. Whether you've been running hot shot for 10 years or you're just getting started, we build packages for all experience levels. New operators pay higher rates initially, but we help you build the coverage history that brings rates down at renewal.

Build Your Owner-Operator Package Today

One call covers everything. Same-day certificates available.

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