Independent Owner Operator Insurance
Independent owner operators require industry-specific insurance coverages to protect against unforeseen accidents. Progressive understands how hard independent owner operators work. That's why we're here to help you protect your business by choosing the right owner operator insurance options.
What are Owner Operators?
Independent owner operators are just what the name implies. They are transportation business owners who own and drive their own trucks. Unlike motor carriers, however, owner operators drive under someone else's authority.
Owner operators are typically leased on to a trucking company or other business – doing all of their hauling for a particular company. Sometimes the company is a retailer or someone with their own goods to transport. Other times the company is an expediter who schedules shipments for various other businesses.
If you haul under your authority, you are not solely an owner operator. Visit the motor carrier section to learn more.
Special Owner Operator Insurance Needs
Since you usually do all of your hauling for one company, it's likely that your motor carrier provides your basic insurance. However you may need extra coverage that will provide protection when you drive your truck for personal use. Or you may want to have your own insurance in case you switch companies.
Our independent owner operator insurance needs page provides information about Non-Trucking Liability coverage and other insurance options designed just for you.
Heavy Truck Claims Specialists
At Progressive, we have more than 25 years of experience handling heavy truck claims. We know that every day you're off the road costs you money. And we know that what's under the hood of your Peterbilt is very different than what you'd find in an Audi sedan.
We understand your needs — that's why we have hundreds of specialists nationwide who handle nothing but heavy truck claims. Our claims experts work with heavy truck repair specialists to get you back up and running as quickly as possible.
Learn more about Progressive's superior heavy truck claims service.