It depends on what your lease says the motor carrier provides and what it leaves to you. Send us the lease agreement and we go through it with you line by line.
Trucking insurance
Owner-operator insurance.
One truck, your own authority or leased on. Start with your DOT or MC number.
Start here
Step 1 of 3
What this operation usually hauls
Mostly general freight booked through brokers: dry van, reefer, some drop-and-hook. Regional Texas lanes for some, 48-state long haul for others. One tractor, one driver, and the load board decides the week.
What shippers and brokers usually ask for
- Primary auto liability, with the limit written on the certificate the broker holds.
- Motor truck cargo, sized to the loads you accept.
- Non-trucking liability when you are leased onto a carrier and running empty on your own time.
- Physical damage, usually asked for by the lender while the tractor is financed.
Coverage names below are general. What your contract actually requires depends on the shipper, the broker and the carrier. Alimar confirms it with you on the call.
What tends to drive the premium
- Your CDL years and your MVR. One driver means one record carries the whole policy.
- Radius. A truck that stays inside Texas prices differently than one running coast to coast.
- Tractor value and the deductible you pick on physical damage.
Questions we get on the phone
DOT or MC number, truck and trailer VINs, your license, and your current declarations page if you have one. That is usually enough to start.
Send the broker name and email. During office hours we work on it the same business day, and most go out within the hour.
Yes. Fewer carriers accept a brand new authority and the terms usually look different from an established operation, so call us before you commit to a load.
It can. Some carriers have options for seasonal or reduced operation and some do not. Tell us your real schedule and we will look at what is available.
General answers, not a promise of coverage or price. Alimar confirms your situation on the call.