Truck Insurance

Truck Insurance for the small-business owner-operator.

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Truck Insurance from OOIDA

OOIDA knows the trucking industry and the unique needs of owner-operators. OOIDA offers a complete range of coverage and policy options for your business. And OOIDA is the only truck insurance company that actively works on behalf of your trucking business through its advocacy efforts. That’s what makes us different!



Primary Liability

Offering liability coverage that fulfills the legal obligations of owner-operators with their own authority or who are hauling exempt commodities.



General Liability

Protects you against liability claims for bodily injury and property damage arising out of premises, operations, products and completed operations. This also covers advertising and personal injury liability. Purchase in conjunction with primary liability for substantial savings on your premium.



Physical Damage

Covers loss or damage to your insured vehicle caused by a collision, fire, theft or vandalism on an actual cash value basis. Includes glass breakage, chip repair (glass) and downtime coverage with no additional premium cost.



  • Owner-Operators With Authority
  • Leased Owner-Operators
  • Unladen Liability
  • Passenger Accident

Primary Liability, General Liability, Motor truck Cargo, Physical Damage and Passenger Accident. Find out more about all truck insurance coverages available to Owner-operators with their own authority.
Contact us for more information at (800) 715-9369.



Non-Trucking Liability, Unladen Liability, Bobtail Liability, Physical Damage, Passenger Accident Find out more about all truck insurance coverages available to leased owner-operators.
Contact us for more information at (800) 715-9369.




Liability coverage while the truck is being operated with an attached empty trailer, or without any trailer at all, dispatched or not.




Provides accidental death and dismemberment coverage and accidental medical expense coverage for authorized passengers, with no deductible and no minimum age limits.


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