Truck Insurance 101: What Owner-Operators Need to Know
When you’re hauling loads across the country...
🛡️ Types of Insurance You Might Need
- Liability Insurance
- Physical Damage
- Cargo Insurance
- Bobtail Insurance
- Non-Trucking Liability
- Trailer Interchange
💰 Why Is Truck Insurance So Expensive?
- High-risk industry
- Big accident costs
- Long road hours
- State regulations
- Cargo type
🔁 When Do You Renew and What Do You Need?
- Truck registration and VIN
- Updated DOT/MC number
- Driver/equipment updates
- Address or business changes
- Mileage/route logs
- Payment method
📋 What Paperwork Should You Keep Handy?
- Insurance certificate
- Policy contact info
- DOT/FMCSA documents
- Lease agreement
🤝 Why Insurance Isn’t Just a Legal Thing—It’s a Lifeline
- Protect your family
- Secure your business
- Plan your future
Have you reviewed your policy this year?
