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Owner Operator Trucking Insurance

Owner operator trucking insurance provides coverage tailored to independent drivers operating leased on or under their own authority. Wexford Insurance provides insurance for owner operator trucking. 

Call For a Quote at 855-784-3077

What Does This Trucking Insurance Cover?

Owner Operator trucking insurance typically includes the following coverages:

  • Trucking Auto liability Insurance 

  • Non-Trucking Auto Liability Insurance (Bobtail Insurance) 

  • Trucking Physical damage insurance

  • Cargo insurance, 

  • Occupational Accident Insurance

Insurance Requirements for This Type of Trucking

Most owner operator trucking operators must carry the following insurance

  • Authority status

  • Lease agreements

  • FMCSA compliance.

Common Claims in This Type of Trucking

Common insurance claims in owner operator trucking include:

  • Rear-end collisions

  • Cargo damage

  • Load shifts

  • Trailer claims

How Much Does This Trucking Insurance Cost?

General Freight trucking insurance costs are influenced by:

  • Authority Status

  • Driving History

  • Years of Experience, 

  • Equipment age

  • Loss history

Why Truckers Choose Wexford Insurance

Wexford Insurance understands the differences between leased and independent owner operators. We work with insurers that specialize in owner operators and help operators secure competitive pricing without sacrificing coverage. 

Call For a Quote at 855-784-3077

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Wexford Insurance, LLC

107 N State Road 135

STE 304

Greenwood, IN 46142

Wexford Insurance

© Copyright. 2026, Wexford Insurance

Statements on this web site as to policies and coverages provide general information only. This information is not an offer to sell insurance.  Insurance coverage cannot be bound or changed via submission of any online form/application provided on this site or otherwise, e-mail, voice mail or facsimile. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly by a licensed agent. Any proposal of insurance we may present to you will be based upon the information you provide to us via this online form/application and/or in other communications with us. Please contact our office at [insert phone number] to discuss specific coverage details and your insurance needs. All coverages are subject to the terms, conditions and exclusions of the actual policy issued. Not all policies or coverages are available in every state. Information provided on this site does not constitute professional advice; if you have legal, tax or financial planning questions, you should contact an appropriate professional. Any hypertext links to other sites are provided as a convenience only; we have no control over those sites and do not endorse or guarantee any information provided by those sites.

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