Non-Fleet &
Owner-Operator
Insurance
Specialized coverage for independent owner-operators and small fleets. Same-day quotes, same-day filings, 100+ commercial markets.
Some of the insurance markets we work with
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Carrier availability varies by state, operation type, fleet size, and underwriting requirements.
What Non-Fleet Insurance Covers
Core Coverage Options
Every policy is built around your specific operation — truck type, cargo, radius, and authority all shape the right coverage mix for an owner-operator.
$1,000,000 minimum — higher limits available
Covers bodily injury and property damage you cause to others while operating the truck. Required by FMCSA and most state regulators. The foundation of every owner-operator policy.
$100,000 – $500,000+ limits
Covers freight in transit if damaged or lost due to a covered cause. Wording matched to your commodity — general freight, refrigerated goods, steel, and high-value loads all need different language.
Collision + comprehensive coverage
Covers damage to your own tractor and trailer — collision, fire, theft, vandalism, and CAC coverage. Rated per unit with deductible options to match your budget.
Up to $1,000,000 / $2,000,000
Covers business risks not caused by truck operation itself — loading, unloading, premises exposure, and customer-site activities. Required by many brokers and shippers.
$250,000 – $500,000 limits
Physical damage coverage for non-owned trailers and chassis pulled under a written interchange agreement. Required for UIIA and most intermodal operations.
MCS-90, MCF — same-day processing
Interstate motor carriers must file proof of financial responsibility with the FMCSA. We handle MCS-90 endorsements, state UCR filings, and UIIA IANA certificates same-day.
Built for the real submission
New ventures, prior claims, and coverage gaps are welcome to request a review
Whether you are starting a new authority, returning after a coverage lapse, or bringing a claim history, the best place to start is with a complete picture of the operation. Tell us how and where you run, what you haul, who drives, and which customer requirements apply.
Bring current declarations, loss runs, driver and vehicle details, equipment values, operating radius, and any lapse information when available. Accurate context helps us organize a useful market review.
Every account remains subject to carrier appetite, licensing, and underwriting. A request for review does not guarantee eligibility, placement, pricing, coverage, terms, or binding.
Who We Insure
Owner-Operators We Cover
Whether you run your own authority, operate under a carrier, or haul dedicated — we write the program that matches how you actually operate.
Own AuthorityOwn Authority Operators
Running under your own DOT/MC number? We write new authorities with no prior experience required — same-day binding available.
- Auto liability ($1M+)
- Motor truck cargo
- Physical damage
- MCS-90 same day
Leased O/OLeased Owner-Operators
Operating under a motor carrier's authority? Fill the gap between the carrier's primary policy and your own coverage needs.
- Non-trucking liability
- Bobtail coverage
- Physical damage
- Occupational accident
2–5 UnitsSmall Fleets (2–5 Units)
Two to five trucks with mixed drivers and routes. We structure one non-fleet policy that covers the full operation affordably.
- Per-unit underwriting
- Multiple driver coverage
- Same-day certificates
- Mid-term adds OK
Equipment
Trucks We Insure
From single-axle box trucks to Class 8 tractors — we write commercial truck insurance for owner-operators across all equipment types and configurations.
Semi Trucks & Class 8
Peterbilt, Freightliner, Kenworth, Volvo, Mack, Western Star — all makes and configurations insured for owner-operators.
Box Trucks & Specialty
Medium-duty commercial vehicles for local deliveries, construction, towing, and waste removal operations.
Port & Intermodal
Container drayage, chassis, and port terminal tractors — including UIIA endorsements and CARB-compliant equipment programs.
All vehicle types we cover
Operations
Hauling Classes We Cover
Non-fleet coverage spans a broad range of operations. The coverage mix is tailored to your specific commodity, authority type, and operating radius.
Trucking Operations
Owner-operators, for-hire & private carriers
- General freight (dry van, flatbed, step-deck)
- Refrigerated & temperature-sensitive cargo
- Dump & aggregate hauling (sand, gravel, dirt)
- Auto hauling & vehicle transport
- Hotshot trucking (expedited, pickup-based)
- Intermodal / container drayage
- Last-mile delivery (box truck, cargo van)
- Amazon Relay & dedicated contract operations
- Power-only & drop-hook freight
- Towing & roadside assistance
- Machinery & heavy equipment moves
- Waste & debris removal operations
Platform & Contract Haulers
Dedicated & app-based freight operators
- Amazon Relay contractors
- FedEx Custom Critical
- Uber Freight partners
- Convoy & broker spot market
- Dedicated shipper contracts
- Port & terminal drayage
Amazon Relay & Dedicated Contract Coverage
Amazon Relay requires specific hired auto and cargo limits. We're familiar with Relay's portal upload requirements and can issue your COI same day — so you stay approved and hauling.
Operations That May Require Specialty Placement
Hazardous materials haulers, petroleum bulk carriers, livestock haulers, and armored car operations typically require specialized E&S market placement. Contact us — we write hard-to-place classes through surplus lines markets that standard carriers decline.
Full Coverage Menu
Additional Coverages
Add coverage layers to match your specific exposures — interchange agreements, off-dispatch protection, hired autos, and more.
Covers you when operating outside of carrier dispatch — bobtail, personal use, and deadhead miles. Required by most lease agreements.
Protects independent contractors from lost income and medical bills after an on-the-job injury. Fulfills most carrier IC agreement requirements.
Coverage for vehicles you rent, lease, hire, or borrow for business purposes. Required for Amazon Relay and most dedicated contracts.
Uniform Intermodal Interchange Agreement Additional Insured Endorsement — required for port and rail drayage operations pulling UIIA equipment.
Higher auto liability limits available when shippers or brokers require more than $1M — umbrella up to $5M available for owner-operators.
Required in most states if you have employees. We coordinate workers comp alongside your auto and cargo policy for a unified program.
Enhanced Physical Damage Forms Include:
Why Choose Us
Owner-Operator Benefits
Truxsurance specializes in commercial truck insurance for independent operators. We don't handle personal auto — this is all we do.
Same-Day Coverage
Quote, bind, and file your MCS-90 the same business day. No waiting three days to get on the road.
MCS-90 & MCF Filings
Federal financial responsibility filings issued the same day your policy binds — no chasing paperwork.
100+ Markets
Direct access to over 100 specialized truck insurance carriers means real competition for your business — including new authorities.
Digital Documents
ID cards, certificates of insurance, and policy documents delivered digitally for broker portal uploads.
What Does Non-Fleet Insurance Cost?
Owner-operator truck insurance pricing depends on what you run, how you run it, and your operating history. Two operators with the same truck can get very different rates based on these factors:
Truck class, year, stated value, and equipment configuration
Local, regional, or long-haul interstate routes
General freight, high-value, refrigerated, hazmat, oversized
CDL experience, MVR records, and driver safety training
Prior claims — both auto and cargo — in the last 3–5 years
New DOT numbers typically pay 15–25% more than seasoned operators
Common Questions
Frequently Asked Questions
Everything owner-operators ask before getting covered.
Our Insurance Partners
We work with A-rated carriers trusted by owner-operators nationwide
