Insurance for Owner-Operators
Protect Your Truck, Your Work, and Your Future — All in One Place
As an Owner-Operator, you’ve made a serious investment — in your truck, your time, and your independence. Whether you’re leased onto a Motor Carrier or working under your own authority, you need the right insurance to keep rolling confidently and legally.
At Ensure Inc., we offer customized insurance solutions tailored specifically for owner-operators like you.
🧾 Essential Coverage for Owner-Operators:
✅ Non-Trucking Liability (NTL)
Covers liability when you’re using your truck for personal use, not under dispatch. Required by most Motor Carriers.
✅ Physical Damage Coverage
Protects your truck and trailer against theft, vandalism, fire, and collision.
Tip: Ask your agent about towing limits, rental coverage, and downtime options!
✅ Occupational Accident Insurance
Provides financial protection if you’re injured while on the job. Covers medical bills, lost wages, disability, and more.
✅ Bobtail Insurance (if required separately)
Covers your truck when driving without a trailer, even if not under dispatch.
🚚 Who is an Owner-Operator?
An Owner-Operator owns their own truck and typically leases it to a Motor Carrier or operates under their own DOT/MC number. You’re responsible for keeping your equipment insured and yourself protected — even when you’re off the clock.
💼 Who Needs This?
This coverage is a must-have if you:
Own your own truck or lease-purchase
Drive under a Motor Carrier’s authority
Operate as an independent contractor (1099)
Want to protect your income and investment
🛡️ Why Choose Ensure Inc.?
We know how the trucking industry works — and how to build policies that fit your business. Our specialists offer:
Affordable monthly plans
Certificate delivery for your carrier
Claims assistance when you need it
Advice on compliance and FMCSA standards
Support for lease-on or full authority setups
📞 Let’s Get You Covered
Your truck is your business. Let’s protect it the right way.
Contact Ensure Inc. today and get a policy designed for owner-operators like you.
👉 Call now or request a free quote online — fast, easy, and built for the road ahead.
