Commercial Trucking Insurance

Truck Owner-Operator Insurance Coverage

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.

Primary Liability

Primary Liability is insurance against loss from legal liability of the insured for bodily injury or property damage to another party. OOSI offers liability coverage that fulfills the legal obligations of those owner-operators with their own authority, or who are hauling exempt commodities. This coverage is required to activate your own authority. FMCSA requires $750,000 and most shippers and brokers require $1 million limits.

OOSI offers liability coverage that fulfills the legal obligations of those owner-operators with their own authority, or who are hauling exempt commodities. We offer both $750,000 and $1 million limits on Primary Liability to meet the Federal Highway Administration minimum requirement. * We now offer Family Emergency Travel Coverage. Please call to find out more information.

Commercial General Liability

Commercial General Liability protects you against liability claims for bodily injury and property damage arising out of premises, operations, products and completed operations as well as advertising and personal injury liability. General Liability can be purchased in conjunction with Primary Liability at substantial savings on your premium.

To protect yourself against liability claims for BI/PD arising out of premises, operations, products and completed operations as well as advertising and personal injury liability, OOSI can provide you with our Commercial General Liability Coverage. General Liability can be purchased in conjunction with Primary Liability at substantial savings on your premium.

Motor Truck Cargo

Motor Truck Cargo is insurance against loss from legal liability for damage to goods or merchandise in the insured’s care and custody in the ordinary course of transit and includes coverage for debris removal, earned freight and refrigeration breakdown. We offer a wide range of limits designed to meet your needs.***Supplemental Towing & Cleanup also available when purchasing cargo insurance***

OOSI offers coverage that protects against cargo damage or loss. We offer a wide range of limits designed to meet your specific needs. *Supplemental Towing and Clean-up are now available with our Motor Truck Cargo coverage.

Physical Damage

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 our members.