The Hartford doesn’t offer owner operator insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
What Is Owner Operator Insurance?
Owner operator insurance is a collection of business insurance coverages designed to help protect you from the risks you might face as you run your own trucking operation.
An owner operator insurance package can include these common types of coverage:
- Business Owner’s Policy (BOP)
- Commercial auto insurance
Why Might You Need Owner Operator Insurance?
Owner operator insurance helps protect you from the risks that can come with tight schedules, heavy loads and unpredictable weather. Maybe someone steals your tools or GPS system during a rest stop, or your rig is out of service after an accident, leaving you without income for days. These aren’t just inconveniences — they’re risks that can come up during normal operations and cost you time and money. The right insurance helps you keep on rolling, no matter what life throws at you.
Owner operator truck insurance can help protect your business from many potential risks, like:
- Cargo damage: A sudden stop causes your load to shift, damaging expensive goods.
- Injuries during unloading: Your driver strains their back moving freight at a drop off, putting them out of commission.
- Weather-related delays: A snowstorm shuts down your route, halting deliveries and cutting into your income.
Who May Need Owner Operator Insurance?
Many types of trucking businesses can benefit from insurance, including:
- Independent truck owner-operators
- Leased owner-operators
- Single-truck freight haulers
- Independent cargo haulers
- Specialty goods transporters
What Owner Operator Insurance Coverages Might I Need?
When it comes to protecting your trucking business, you’ll want coverage that matches your potential risks. Many operators start with a Business Owner’s Policy (BOP) because of the peace of mind it can help provide.
A BOP combines three important types of coverage into a single policy.
Commercial property insurance helps protect the owned or rented building you operate from, as well as the tools and equipment you rely on. These can include:
- Computers
- Printers
- Tablets
- Folders
- Phones
Business income insurance helps replace your lost income if you can’t operate temporarily because of covered property damage caused by fire, wind or theft.
It’s important to know that a BOP won’t cover every kind of claim you might face. You’ll need to get other types of insurance to give your owner operator business well-rounded protection, such as:
Commercial auto insurance to help cover claims from an auto accident that occurs while you or an employee uses a company-owned vehicle for work.
How Much Does Owner Operator Insurance Cost?
Although The Hartford doesn’t offer coverage for owner operators, here are the average costs our small business customers pay for common types of insurance. You can use these amounts to help estimate your coverage costs:**
- BOP: $1,687 a year, or about $141 a month
- Stand-alone general liability insurance: $810 a year, or about $68 a month
- Workers’ compensation insurance: $1,032 a year, or $86 a month
- Professional liability insurance: $744 a year, or $62 a month1
The cost of insurance for owner operator truckers varies because every business faces unique risks. Insurance companies consider several factors when determining your coverage costs, including:
- Number of employees
- Location of your business
- Type of coverage
- Your claims history
- The limits you select for your coverage
To find out your specific trucking business insurance costs, get a free quote online through Tivly.
General Liability Insurance
“I was backing into the loading dock, but I wasn’t aligned. I ended up swiping the side of the customer’s building.”
General liability insurance helps cover claims that your business caused bodily injury or property damage to someone else.
Business Income Insurance
“Someone broke into the lot where we park our rigs. They vandalized our trucks and broke into a few. We couldn’t get on the road to make deliveries or transport anything for weeks.”
Business income insurance can help you continue paying ongoing expenses like rent, payroll and utilities if your business is unable to operate temporarily because of property damage caused by fire, theft, wind or vandalism.
Commercial Property Insurance
“A tree branch came down during a storm and smashed my rig. My straps and tools were destroyed.”
Commercial property insurance helps protect the owned or rented equipment and supplies you rely on. It can help pay to repair or replace damaged goods.
Non-Trucking Liability (NTL) Insurance
“I picked up some personal gear with my truck and got into a minor accident. Even though I wasn’t under dispatch, the damage still had to be covered.”
Non-trucking liability insurance covers liability claims when you’re driving your truck for personal, non-business use (when not under dispatch).
Owner Operator Insurance That Keeps You Rolling
Stay ahead of unexpected bumps with coverage built for life on the road. Get a quote for owner operator trucking insurance from Tivly today.
Last Updated: May 21, 2026
1 What you pay for professional liability insurance will vary by product, limits chosen and risk class or hazard group associated with your business.
2 National Fire Protection Association, “Fire Loss in the United States,” viewed April 2026.
3 Insurance Information Institute, "Facts + Statistics: Product Liability," viewed April 2026.
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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