Owner Operator with Own Authority
As an owner operator with your own authority, you need the right commercial truck insurance products and services to keep your business fully protected.
We empower trucking businesses with comprehensive insurance solutions
Commercial
Auto Liability
Non-trucking liability/bobtail coverage
Physical Damage
Cargo (See Below)
General Liability
But we don’t stop there. Our products include enhancements missing from most standard industry policies, such as:
Auto liability, physical damage and cargo coverage all covered under one policy
Both motor carrier and business auto coverage forms
GAP protection up to coverage limit*
Deluxe coverage endorsement and family emergency coverage endorsement**
Free towing in the event of an accident***
Combined deductibles for tractor, trailer and cargo damage. In other words, in the event of a claim, you only pay ONE deductible.
* Subject to policy limits. Not available in VA or NY.
** Available for 1-9 units only; $95 each unit. Deluxe coverage endorsement applies to motor carrier and business auto forms. family emergency travel endorsement applies to motor carrier coverage forms, and is only available in conjunction with the deluxe coverage endorsement.
*** See policy terms and conditions.
Cargo Coverage
An Own Authority policy’s cargo form offers broad coverage with limited exclusions and includes a lot more than the standard insurance policy:
Expanded refrigeration coverageEarned freight charges
No coinsurance penalty
Traffic and security expense coverage
Towing expense coverage
Debris and pollution removal with a separate limit of $25k
Reload expense coverage
Catastrophic limit of $1,000,000
Bobtail insurance
Liability insurance for the commercial vehicle
A combined deductible for tractor, trailer and cargo insurance losses
And much more...