Owner-operator — one truck, under lease or your own MC.
Independence without overpaying for it.

The operator-level reality.

You're running one tractor. Maybe you're under a §376 lease to a motor carrier, maybe you're newly authorized with your own MC number. The carrier you ran with last year priced you like a 50-truck fleet, and the new carrier you tried wanted three years of authority. The market for one-truck operators is thinner than it looks — but it exists.

Lines that anchor your program.

• AL · Auto Liability Bodily injury and property damage you cause operating a motor vehicle for hire. The anchor line — every other coverage layers on this one.  Detail →
• APD · Auto Physical Damage Collision and comprehensive coverage for your own tractors, trailers, and equipment. Required when units are financed.  Detail →
• MTC · Motor Truck Cargo Damage to the cargo you're hauling. Required by nearly every broker contract; the line where rookie carriers leak the most premium.  Detail →
• NTL · Non-Trucking Liability Liability when you're operating your truck outside the dispatched authority — bobtail home from a load, weekend errand. For owner-ops under lease only.  Detail →

Situational add-ons

• GL · General Liability Premises and operations liability — claims arising from your terminal, yard, or business activities that AL doesn't reach.  Detail →
• OA · Occupational Accident Benefit package for 1099 owner-operators — AD&D, weekly indemnity, medical — without triggering W-2 employee classification.  Detail →
• TR · Trucker's Equipment (Rented) Physical damage to tractors, trailers, and specialty equipment you rent or borrow — distinct from your owned (APD) and interchanged (TI) equipment.  Detail →

Carriers that fit your segment.

From the 12-carrier panel, these are the markets with appetite for your operator profile. Per-line piece-out reaches each one independently.

What we typically see.

Single-tractor losses concentrate in two places: at-fault accidents inside the first 12 months of authority (driver fatigue, unfamiliar lane) and theft / cargo loss on shipper-furnished loads. Average claim severity sits below mid-fleet because exposure is smaller, but frequency-per-unit is comparable to larger operations.

How we handle claims

We pick up the FNOL the same business day, file with the right carrier (your AL carrier for liability, your MTC carrier for cargo, your APD carrier for collision), and stay with the claim through reserve adjustments. You don't navigate three different 800-numbers — you call us.