Built for how you actually run.

A leased owner-operator and a 40-truck fleet are quoted on different things, filed differently, and priced on different history. Find the description that matches your operation and start there.

A single well-kept sleeper-cab tractor parked on a rural Texas road at golden hour

YOU OWN THE TRUCK

Owner-Operators

You own your truck and either run under your own FMCSA authority or lease to a carrier. Which one you do changes the policy completely: leased operators are usually covered by the carrier for dispatched loads and need bobtail or non-trucking liability for the rest, while operators running their own authority carry the primary liability themselves.

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A new unmarked sleeper-cab tractor at the head of an open Texas highway at sunrise

FIRST YEAR UNDER A NEW MC NUMBER

New Authorities

You have applied for or just received operating authority. Carriers have no loss history to rate you on, which is the single biggest factor in what a new authority pays. Your proof of insurance also has to be filed and accepted by the FMCSA before the authority goes active, so the sequence matters as much as the price.

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A long row of matched white sleeper-cab tractors parked in a terminal yard

UP TO 100 TRUCKS

Fleet Operators

Once you are running multiple power units, rating shifts from individual driver records toward your fleet loss history, and how you schedule equipment starts to matter. Fleets also tend to need general liability and workers compensation alongside the auto policy, because there are now employees and premises in the picture.

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A loaded semi truck pulling away from a shipper warehouse gate onto the access road

HAULING FOR COMPENSATION

For-Hire Carriers

You haul other people’s freight for payment. That puts you under the federal financial responsibility rules, with a $750,000 liability minimum for general freight moving interstate and higher figures for certain hazardous loads (49 CFR 387.9). Brokers and shippers will also set their own cargo limits before they tender you a load.

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Not sure which one you are?

The distinction that matters most is whether you hold your own FMCSA operating authority. If you do, you carry the primary liability. If you are leased to a carrier, they usually do while you are on dispatch.

Not sure what coverage you actually need?

Our guides break down what the FMCSA and Texas require, what each coverage does, and what to ask an agent before you sign anything.

Read the guides