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Owner operators form the backbone of the trucking industry. Whether you operate one truck or manage a small fleet of two or three trucks, you face the same liability exposure, equipment risk, and regulatory requirements as larger motor carriers. Owner Operator Truck Insurance protects your business, protects your equipment, and ensures compliance with federal and broker insurance requirements.
Cogo Insurance is an independent insurance agency specializing in trucking and complex transportation risks. We work directly with owner operators and small trucking businesses to arrange insurance coverage tailored to independent truck drivers. We access admitted carriers, surplus lines insurers, and specialty MGAs that understand the needs of owner operators.
We insure owner operators operating from Dayton, Cincinnati, Columbus, Chicago, Aurora, Des Plaines, Philadelphia, and across Ohio, Illinois, Pennsylvania, Texas, Florida, North Carolina, Maryland, New Jersey, and New York. Owner Operator Insurance protects your trucking business and allows you to operate with confidence.
Owner Operator Insurance refers to commercial trucking insurance designed specifically for independent truck drivers and small trucking companies operating one or several trucks.
Coverage protects against:
Owner operators must carry insurance to operate legally and secure freight from brokers and shippers. Insurance protects your financial stability and business operations.
Owner Operator Insurance is required for:
Even owner operators leased to motor carriers may require certain coverage. Cogo Insurance structures coverage based on your operating arrangement.
Primary Auto Liability Insurance is required for owner operators operating under their own authority.
This coverage protects against:
The Federal Motor Carrier Safety Administration requires minimum liability insurance for motor carriers. Most brokers require at least $1,000,000 liability coverage. Liability insurance protects owner operators from catastrophic financial loss.
Motor Truck Cargo Insurance protects freight while it is being transported.
Coverage protects against:
Most brokers require cargo insurance before assigning loads. Cargo claims can result in substantial financial liability. Cargo insurance protects your business from these losses.
Physical Damage Insurance protects your truck and trailer.
Coverage protects against:
Your truck represents a major financial investment. Physical Damage Insurance protects your equipment. Most lenders require Physical Damage Insurance for financed trucks.
Trailer Interchange Insurance protects trailers owned by brokers, motor carriers, and equipment providers.
Coverage protects against:
Owner operators hauling broker owned trailers often require Trailer Interchange coverage. Insurance protects you from financial responsibility for trailer damage.
Owner operators leased to motor carriers often require Non-Trucking Liability Insurance. This coverage protects the truck when it is used for non-business purposes. Coverage protects against liability claims when operating outside of dispatch. Non-Trucking Liability Insurance protects owner operators from personal liability exposure.
Occupational Accident Insurance protects owner operators from financial loss due to work-related injuries.
Coverage protects against:
Owner operators are not covered under traditional Workers Compensation policies. Occupational Accident Insurance protects independent drivers.
Owner Operator Insurance can be structured to cover multiple trucks.
Coverage can scale as your business grows from:
Cogo Insurance supports owner operators at every stage of growth. We structure insurance based on your business model.
Insurance premium depends on several factors:
New owner operators may have higher premiums. Experienced drivers often qualify for better rates. Cogo Insurance compares multiple insurers to obtain competitive pricing.
Cogo Insurance works with both admitted carriers and surplus lines insurers. Admitted carriers provide coverage for qualified owner operators.
Surplus lines carriers provide coverage for:
This ensures owner operators can obtain coverage regardless of experience level.
Cogo Insurance insures owner operators across multiple states, including:
We insure owner operators operating from major trucking markets including:
We help ensure insurance meets FMCSA and broker requirements.
We work with multiple insurers to provide coverage options.
We specialize in insurance for owner operators and small fleets.
We help new trucking businesses obtain insurance.
We support owner operators expanding their fleets.
We insure owner operators across multiple states.
Owner operators face significant liability exposure and equipment risk. Proper insurance protects your trucking business and ensures compliance with regulatory and broker requirements.
Cogo Insurance arranges Owner Operator Insurance with admitted insurers, surplus lines carriers, and specialty MGAs.
To request a quote, Contact Cogo Insurance using the contact form in the menu.
Owner Operator Insurance protects independent truck drivers and small trucking businesses.
Yes, insurance is required to operate legally and obtain freight.
Most brokers require at least $1,000,000 liability coverage.
Yes, cargo insurance protects freight against damage or loss.
Yes, Physical Damage Insurance protects your truck.
Yes, coverage is available for new authorities.
Yes, coverage can be structured for multiple trucks.
Contact Cogo Insurance using the contact form to request a quote.
