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Trucking and Other Insurance
Trucking and Other Insurance
Trucking insurance: What's necessary, and what owner-operators can expect to pay
Behind a truck payment, insurance for most owner-operators (particularly those with authority) is the No. 2 highest fixed cost. Understanding what you're buying with any insurance policy is key to getting the best bang for the insurance buck.
January 1, 2026
Trucking and Other Insurance
Commercial auto liability: Independents' biggest insurance expense
Owner-operators who switch to their own authority often are surprised by how costly, complex and time-consuming liability coverage can be, especially as a startup. Keep a close hand on these seven factors influencing pricing, and eyes open for discounts with dashcam use.
January 1, 2026
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August 13, 2026
Trucking and Other Insurance
Head off the insurance-renewal shocker: Mind open reserves, shop early
A doubling of liability premiums at renewal would be a huge shocker for any owner-operator with authority. It's not exactly common, but it happens. A little prep on your own or with an agent to mind any open claim reserves and build real strategy for shopping coverage will go a long way to head off the chances.
January 1, 2026
Trucking and Other Insurance
Physical damage, other important trucking insurance coverages
The law does not require physical damage insurance, but lenders do. A damage policy will pay no more than the value of the equipment. There's plenty more to consider within a damage policy, and don't neglect other important coverages detailed here.
January 1, 2026
Trucking and Other Insurance
Dashcams, ELDs, data: How to use for trucking insurance savings
Usage-based insurance, still uncommon for owner-ops, rises in prominence with tech proliferation. Simply running a dashcam can give you or your agent a talking point to sell risk reduction to any insurer, yet more and more want to see owners engaged with the data cams, ELDs and other telematics systems produce.
January 1, 2026
Trucking and Other Insurance
Other ways to save on trucking insurance
Honesty is your best policy in efforts to reduce trucking-insurance premiums. If an insurer cancels your policy over lies or misleading information it follows you like a bad smell after hitting a skunk. No matter how hard you try you can’t get rid of it.
January 1, 2025
Trucking and Other Insurance
Income replacement insurance, disability, downtime claims
The probability of an income-interrupting event over the course of your career trucking is more likely than you might think. Understanding income-replacement insurances as well as post-accident claims processes is critical.
January 1, 2025
Trucking and Other Insurance
Health insurance for owner-operators: Covering personal risks is a cost of doing business
Complicating the difficult health picture for many OTR owner-operators is inadequate health insurance coverage: nearly half of owner-operators do not carry any health insurance at all. There are paths, however, to affordable coverage.
January 1, 2025
Trucking and Other Insurance
Ways to reduce health insurance costs with plan choice, tax-deductible savings in HSAs
The basics of high-deductible plans and Health Savings Accounts, which allow for tax-deductible savings that remain entirely tax-free if used for medical expenses.
January 1, 2025
Trucking and Other Insurance
Understanding Medicare: If you're getting close to 65, it's crucial
How many times have you been led to believe that a Medicare card was tantamount to a ticket to free health care? While it's not that -- you've been paying for it your entire working career -- it can get close if you understand the options.
January 1, 2025
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