Owner-Operator Insurance Solutions | Motor Carrier-Sponsored & Association-Sponsored Programs

For 30 years, we have been a leading provider of insurance products for the long-haul trucking industry and specialize in coverages for Owner-Operators and Motor Carrier-Sponsored Programs. Discover how we help keep businesses and their drivers protected on the road.

Owner-Operator Insurance Solutions and Motor Carrier-Sponsored & Association-Sponsored Programs

For more than 30 years, Great American Insurance Group Trucking Division has specialized in insurance solutions for independent contractor owner-operators. As the leading writer of Class 7 and 8 independent contractors on the road today, we provide customized coverage through motor carrier-sponsored programs, association-sponsored programs, and individual placements for owner-operators operating under permanent lease to a motor carrier.

Choose Great American for All Your Owner-Operator Insurance Coverage Needs

Owner-Operators play a pivotal role in keeping the trucking industry moving, bridging the gap between manufacturers, distributors, and consumers. Our dedicated claims and underwriting teams bring decades of niche expertise serving independent contractors and motor carriers, so they get the protection and service they deserve.

Trucking Insurance Solutions

We offer a full range of insurance products designed for independent contractor owner operators, including:

Truck Physical Damage (TPD) coverage for tractors and trailers
Non-Trucking Liability (NTL) coverage for the driver when he/she is not furthering the interest of a Motor Carrier
Occupational Accident (Occ/Acc) coverage for work-related accidents, including medical, disability, death, and dismemberment benefits
Contingent Liability (CL) coverage designed to protect motor carriers sponsoring owner-operator programs by providing defense when employment status questions arise following a work-related injury
Workers' Compensation solutions for eligible trucking operations

Additional coverage enhancements may include downtime protection, rental reimbursement, deductible buyback, increased towing and storage limits, and lease gap coverage.

In addition to these enhancements, drivers also have access to our Rig Ready® repair network, which can help them return to the road more quickly following a covered loss.

Want a quick overview? View the Driver Overview Brochure.

Who Are Our Owner-Operator Insurance Programs Designed For?

Our Owner-Operator insurance programs are built for:

Independent owner-operators under permanent lease to a motor carrier
Motor carrier-sponsored owner-operator insurance programs
Association sponsored programs for owner-operators

Talk to an Owner-Operator Specialist Today

Have a question about our owner-operator products and services? Get in touch with an agent today.

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Independent Contractor Owner-Operator Insurance Solutions FAQs

What type of coverage is available for Independent Contractor Owner-Operators?

Owner-Operator insurance solutions protect independent truck drivers who own or lease their own trucks, covering Physical Damage, Non-Trucking Liability, Occupational Accident, and exposures unique to independent contractors and motor carriers.

What type of coverage is available for Motor Carriers?

Contingent Liability provides a layer of defense to the motor carrier in the event a participating Independent Contractor files a workers compensation claim.

Protecting Owner-Operators and Independent Contractors Since 1994

Our focus on trucking started in the early 1990s with the development of a trucking Physical Damage policy. Since then, it has evolved to include a complete suite of products and services supporting the independent contractor. See how we can help serve you all day, every day.

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