Insurance for owner-operators leased onto a carrier

Updated October 2026

When you lease onto a carrier and run under their authority, the carrier usually provides the primary liability coverage while you're under dispatch. But that doesn't mean you're fully covered.

What you typically buy yourself

Non-trucking liability (bobtail) for when you use your truck off dispatch. Physical damage on your truck, especially if it's financed. Occupational accident, which many carriers require so you're covered if you're hurt. Some carriers offer these through their own programs and deduct the cost from your settlements.

Questions to ask before you sign the lease

Who pays a cargo claim, and how much is the deductible charged to you? What coverage does the carrier provide, and what do you have to buy? If the carrier offers insurance, what does it cost per week, and can you buy your own instead? What happens to your coverage if you leave?

Compare the real cost

Carrier-provided insurance is convenient, but it isn't always the cheapest. Get your own quotes for non-trucking liability, physical damage and occupational accident, and compare them with the weekly deductions on your settlement.

Try it: Truck insurance coverage checker

Educational information only, not insurance advice. Talk with a licensed agent about your coverage.