Commercial Trucking Insurance

Leased Owner-Operator Insurance Coverage

Non-Trucking Liability Coverage

Non-trucking liability coverage is necessary while the truck is being operated for personal convenience, outside the scope of the motor carrier’s control or direction, and with no economic benefit to the owner-operator or the lease company.

Unladen Liability Coverage

Provides liability coverage while the truck is being operated with an attached empty trailer, or without any trailer at all, whether dispatched or not. Liability for leased owner-operators that provides coverage while the truck is being operated with an attached empty trailer, or without any trailer at all, whether dispatched or not.

Bobtail Liability Coverage

Bobtail liability provides coverage while the truck is being operated without a trailer attached, whether dispatched or not.

Physical Damage

A physical damage policy covers loss or damage to an insured vehicle caused by collision, fire, theft or vandalism on an actual cash value basis. Our coverage includes glass breakage, chip repair (glass), and downtime coverage with no additional premium to our members. Combined Deductible: if both tractor and trailer are insured under the physical damage coverage and are involved in the same accident, only one deductible will apply (the highest deductible on the policy).

Protect yourself against loss or damage to your equipment caused by collision, fire, theft or vandalism. Our coverage includes windshield breakage, chip repair (windshield) and downtime coverage with no additional premium to OOIDA members.

Passenger Accident Coverage

Provides accidental death and dismemberment coverage and accidental medical expense coverage for authorized passengers, with no deductible and no minimum age limits.