Owner Operator Truck Insurance

As an owner and operator of your own truck and trucking business, your time is already split between navigating your business – and the road. We understand the importance of making it easy for you to make decisions about the specialized type of truck insurance you need, to protect what you've worked hard to build.

Northland's owner operator truck insurance offers flexible coverage, competitive pricing, value-added services and convenient billing.

Northland Insurance for owner operators coverage offers:

Owner operator liability

  • Identity fraud expense reimbursement
  • Family emergency travel
  • Additional insured capability at no charge
  • Trailer interchange
  • Non-trucking liability

Physical damage truck protection

  • Deluxe coverage form
    • Aggregate deductible
    • Diminishing deductible
    • Personal effects coverage
    • Downtime loss
    • Rental reimbursement
  • Combined deductible coverage
  • Electronic equipment coverage
    • Hired car physical damage coverage (Bailee coverage)
  • Identify fraud expense reimbursement
  • Windshield repair
  • Non-owned trailer while attached
  • Tarps, chains and binders

General liability for truckers

Cargo coverage

  • Cargo insurance coverage forms designed to meet specific needs of owner operator trucking operations – Premier Cargo and Custom Cargo
  • Broad coverage language
  • Hired car cargo
  • Customized trip endorsements
  • Up to $1 million catastrophe limit

Claims, risk control and filing Services

  • Responsive and specialized 24-hour claim handling services
  • Subrogation services
  • Experienced staff of risk control specialists to assist with fleet safety and DOT compliance
  • If required by law, state and federal highway motor carrier filings
  • Interest-free and flexible payment options
  • Risk Control Customer portal – extensive collection of free safety resources
  • Drive Times newsletter