Flexible Protection for Drivers Running Under Their Own Authority

Owner-Operator Coverage for Independent Truckers

As an independent trucker, you’re not just the driver—you’re the boss. That means you need more than basic truck insurance. From bobtail and non-trucking liability to physical damage and cargo coverage, Wizard Insurance builds policies designed for owner-operators who run their own show. Whether you're based in California, Texas, Arizona, Colorado, Tennessee, or Nevada, or hauling across the U.S., we’ll get you road-ready with confidence.

Let’s get you covered and back on the road.

What Your Owner-Operator Policy Covers

As an independent trucker, your coverage needs are different. That’s why our owner-operator truck insurance packages are built around real-world risks—whether you’re leased on or operating under your own authority.

Non-Trucking Liability (Bobtail Coverage)

Also known as bobtail insurance, this protects your vehicle when you're off the clock—driving without a load or outside of business use. A key part of non-trucking liability coverage for downtime.

Physical Damage Coverage

Included in most commercial truck insurance policies, this helps pay for repairs or replacement of your truck following collision, fire, vandalism, or other covered events.

Cargo
Insurance

Essential for owner-operators hauling freight independently, this insurance covers cargo against damage, theft, or loss. From electronics to construction materials, your load stays protected.

Occupational Accident Coverage

A key part of personal protection in owner-operator insurance, this covers medical bills, lost wages, and accidental death benefits if you’re injured on the job.

Liability Coverage While Under Dispatch

Meets the legal requirements for operating under your own authority, covering bodily injury and property damage during business use—vital for owner-operator truckers with DOT filings.

Trailer Interchange Coverage

Crucial if you operate under agreements to haul non-owned trailers. This addition to your truck insurance plan protects you when you're pulling someone else’s equipment.

Benefits of Our Owner-Operator Truck Insurance

Wizard Insurance understands what independent truckers face—from unpredictable routes to strict compliance rules. We work with A+ rated carriers to deliver affordable, custom coverage that’s as flexible as your schedule. With over 28 years of experience, digital tools that speed up quoting and paperwork, and real people to support you, we make sure you're always protected—mile after mile.