Owner-operator Insurance

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As an independent trucker, owner-operator insurance is one of your biggest fixed expenses. Yet, if you work with the specialists at Girard Insurance Services, it’s also one of your biggest opportunities to save money while getting exactly the right coverage to meet your needs.

Commercial truck insurance rates can vary a lot, and they’re based on several different factors. Here are some of the factors that you can help control:

Credit scores can sometimes affect premiums. Do your best to pay bills on time, and you’ll save money on your owner-operator insurance.

FMCSA scores are often used to rate a trucker’s safety; make sure this data is correct.

Logbook violations will increase your premiums; keep yours up to date.

Proper signage for your truck helps with safety as well as showing you’re a professional businessperson.

Fog lamps and/or deer guards on your truck can sometimes help you receive lower premiums.


The best commercial truck insurance policy is one that’s tailored to fit your business. You’ll want the right coverage, but you’ll also want to get it at the lowest price. We can help. At Girard, we take the time to work up a custom policy that gives you the exact protection you need, at a price you can afford.

You’ll need at least one or more of the following types of coverage:

Primary liability insurance is necessary for all truckers who operate under their own authority; the exception is if you’re under a permanent lease, since most of the mainline motor carriers will provide this.

Bobtail insurance is important for owner operators if you’re under a lease; this covers situations when you’re operating your own vehicle, without a trailer.

Physical damage insurance covers owner operators under lease.

Cargo insurance is available in various configurations; this covers damage or loss of the cargo you haul.

Work with insurance professionals

And, there are other kinds of insurance, such as workers’ compensation and similar coverage, that you may need according to your own business. The best way to figure out which kinds of coverage you need is to work with trucking insurance professionals like the team here at Girard Insurance Services.

We can explain and clarify all the details of available options, so you can decide what’s best for you and your business. Best of all, we provide the industry’s quickest, most comprehensive claims service.

Call us toll free at 844-750-6003