Owner/Operators need special products and services to keep themselves protected whether you’re under permanent lease to a motor carrier or work under your own authority. Since 1948, Northland has maintained its leadership in trucking insurance by offering flexible coverage and value-added services. We’ll work with you to provide the very best coverage at the most reasonable price. Working with your agent, our general agents will help you determine appropriate coverage and limits, comfortable deductibles, and a convenient billing plan.

Truck coverages and services protect what matters most to you.


  • Identity fraud expense reimbursement
  • Family emergency travel
  • Additional insured capability – no charge
  • Trailer interchange

Physical damage

  • Deluxe coverage form
    • Aggregate deductible
    • Diminishing deductible
    • Personal effects coverage
    • Downtime loss
    • Rental reimbursement
  • Coverage designed for owner/operators leased to fleets
  • Electronic equipment coverage
  • Financed value coverage
  • Identity fraud expense reimbursement
  • Windshield repair
  • Deductible reimbursement coverage
  • Combined deductible coverage
  • Non-owned trailer while attached
  • Hired car physical damage coverage, aka “bailee” coverage
  • Rental reimbursement
  • Tarps, chains and binders

General liability for truckers class

  • Employee benefits liability coverage
  • Product/Completed Operations Included


Two great cargo coverage forms designed to meet specific needs of trucking operations: the Premier Cargo coverage form and the Custom Cargo coverage form.

  • Broad coverage language
  • Hired car cargo
  • Customized trip endorsements
  • Up to $1 million catastrophe limit

Claims, risk control and filings services

  • Quick, specialized and responsive 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 made for you – free of charge
  • Flexible payment options – interest free
  • Risk Control Customer Portal – Extensive collection of free safety resources (videos, safety guides, driver training materials, DOT compliance forms and folders)
  • Drive Times newsletter