At The Daniel & Henry Company, we understand the unique needs of owner-operators in the trucking industry. Our team of transportation industry professionals will carefully evaluate your business to ensure you have the right insurance coverage for your commercial truck operations. We specialize in providing tailored owner-operator insurance solutions that protect you and your livelihood both in the terminal and on the road.

Whether you’re looking for comprehensive liability coverage or specialized policies, our commitment to exceptional customer service means we’ll be there to support you every step of the way. Safeguard your business with the right truck insurance coverage today.

WHO NEEDS OWNER-OPERATOR INSURANCE?

Motor carrier owner-operators, leased operators, and independent contractors working in the trucking industry all require some form of owner-operator insurance. While employers may offer truck insurance coverage for independent truck drivers and leased operators, this may not always be the best or most affordable option. At The Daniel & Henry Company, we specialize in offering tailored trucking insurance solutions that meet the unique needs of your trucking business.

From liability and cargo insurance to a variety of coverage and policy options, we ensure you have the right protection for your operations. We understand that running your own business comes with its challenges, which is why we work closely with you to explore the best insurance options available.

Our dedicated team is committed to providing competitive rates and exceptional customer service, so you can focus on the road ahead. Get started today with a free quote, and let us help safeguard your trucking business with the right coverage.

OWNER-OPERATOR COVERAGE OPTIONS

Today’s owner-operators in the trucking industry require a broad range of coverage options to protect their livelihoods. From bobtail liability to physical damage insurance, it’s essential to have the right truck insurance plan in place. At The Daniel & Henry Company, we offer a variety of coverage options tailored to meet your specific needs. Our team works closely with you to design a comprehensive and cost-effective plan that provides protection at competitive pricing.

Your coverage may include essential options such as liability coverage, cargo insurance, physical damage insurance, and general liability. We understand that managing owner-operator insurance costs is a priority, so we offer solutions that provide the right level of protection without overpaying. Whether you’re seeking robust cargo insurance or liability coverage for your truck and operations, we are committed to delivering competitive pricing and exceptional service to keep your trucking business protected. Let us help you build the coverage you need for peace of mind on the road.

  • Trucking liability insurance: Provides essential protection for owner-operators and trucking businesses, covering damages or injuries caused to third parties in accidents involving your commercial truck.
  • Leased operator insurance: Tailored for leased owner-operators, this insurance fills gaps in coverage that may not be provided by the motor carrier, ensuring protection while on the road.
  • Physical damage coverage (collision coverage): Covers the repair or replacement costs for your truck in the event of an accident, providing financial protection against physical damage from collisions or other hazards.
  • Finance and lease gap insurance: Protects owner-operators by covering the difference between the truck’s actual cash value and the remaining balance on a loan or lease if the truck is totaled.
  • Motor carrier deductible buy-down coverage: Helps reduce the high deductibles associated with motor carrier insurance policies, lowering out-of-pocket costs for owner-operators in the event of a claim.
  • Non-owned trailer coverage: Provides protection for trailers not owned by the operator but used in business operations, ensuring coverage for damages or losses during transport.
  • Roadside assistance coverage: Offers emergency services like towing, tire changes, and fuel delivery, helping owner-operators get back on the road quickly in case of breakdowns or mechanical issues.
  • Workers compensation insurance: Covers medical expenses and lost wages for employees injured on the job, ensuring that owner-operators and their teams are protected in case of workplace accidents.
  • And more: Non-trucking liability insurance, Bobtail insurance, rental reimbursement, occupational accident insurance, and health insurance.

ADDITIONAL BENEFITS AND SERVICES

With The Daniel & Henry Company, owner-operators benefit from more than just truck insurance—we provide a comprehensive set of tools and resources to meet your insurance needs. As the only truck insurance company you’ll need, we offer 24/7 access to Certificates of Insurance via a secure online portal, along with free access to the MyWave self-help safety tool. We understand that managing owner-operator insurance costs is crucial, which is why we offer competitive pricing and a range of options, including self-insured retention, deductible programs, and captive insurance programs.

Our team ensures you have the right coverage, tailored to your unique trucking business. Whether you’re looking for additional coverage like liability protection or specialized options, we’re dedicated to keeping you fully protected while minimizing costs. At The Daniel & Henry Company, we pride ourselves on being more than just a truck insurance company—we are a risk management partner committed to safeguarding your business with the right insurance solutions.

Ready to Get Started?

Our knowledgeable industry professionals will assess your needs and provide you with comprehensive, cost-effective owner operator insurance and risk management solutions.