Owner Operator Insurance
Owner operator liability insurance from GEICO delivers peace of mind, competitive pricing, and reliable customer service—on the road and at home.
Owner operator liability insurance from GEICO delivers peace of mind, competitive pricing, and reliable customer service—on the road and at home.
Owner operator insurance provides essential coverage for self-employed truck drivers who own and operate their own trucks. This type of insurance helps protect you in various situations, both on and off the job.
It covers accidents while driving for work, like hauling goods or making deliveries. Additionally, owner operator insurance can also protect your truck from damage caused by incidents, theft, or unforeseen events.
With owner operator insurance, both you and your truck are covered whether you're driving long distances or parked at home—giving you the peace of mind you need.
If you're running your own trucking business, you need specific insurance. This is important for protecting your business.
Here's a breakdown of the typical coverages you should consider:
Remember, these are just the basics. The Federal Motor Carrier Safety Administration (FMCSA) may have specific insurance requirements based on your operations. Plus, certain contracts might require additional coverage.
It's important to make sure you have the right insurance before you start driving to stay compliant.
When you're working for a motor carrier, they usually cover primary liability insurance. This protects you if you cause an accident that results in injuries or property damage.
However, there are more coverages you might need to consider:
Even though your motor carrier might give you some insurance options, it can be a good idea to choose one for yourself. When you purchase insurance on your own, you have the freedom to select what you require.
It's important to remember that every motor carrier has different rules for insurance. Be sure you know what your carrier's insurance covers and what extra insurance you might need to cover everything.
Owner operator insurance can be tricky because it varies based on several factors. Just like how every driver and business is different, insurance costs are different.
Here are some key things that affect how much you might pay for your owner operator insurance:
Contact us to speak directly with a GEICO Insurance specialist who can provide you with detailed information and find you the right coverage for your needs and budget.
As an owner operator, having the right business insurance is crucial to protecting your operations, employees, and assets. You'll likely need:
If you have your own business, it's important to understand financial responsibility filings. These are special papers that show you have the insurance to meet state or federal regulations.
Getting these filings might sound complicated, but don't worry, GEICO is here to help. When you secure your owner operator insurance policy through GEICO, we go beyond just providing coverage. We also assist you with the required filings, both federal and state.
Long-haul trucking means driving across many states. GEICO can handle your needs, no matter how far you go. We know that long-haul trucking needs different insurance than local or regional trucking. GEICO can help you understand the differences and get the right coverage for your long trips.
With GEICO, long-haul truckers can feel confident that their trucking insurance covers them on any road they travel.
As you consider your insurance options, remember that GEICO provides more than just a standard policy. Choosing GEICO means partnering with a reputable company and dedicated team renowned for its competitive pricing and exceptional customer service.
Are you ready to safeguard your business with GEICO? Call (866) 509-9444 today for a free quote and discover the assurance and confidence that comes from having GEICO in your corner.