Owner Operator's - What you need to know!
If you're an owner operator, you need special truck insurance products and services to keep you fully protected
whether you’re under permanent lease to a motor carrier or if you work under your own authority. Trinity Insurance Services
understands your truck insurance needs and can help you select the trucking insurance coverages you need to protect your
business and your livelihood.
Bobtail - Non-Trucking
is a general term for a group of insurance coverages that protect your vehicle. This general term includes Collision
insurance, as well as your choice of full Comprehensive insurance or the more limited Fire and Theft with Combined Additional Coverage
(CAC) insurance. Collision insurance provides protection for your vehicle if it is damaged in an accident. Collision insurance pays to repair
or replace your vehicle if it: Collides with another object, Overturns or rolls. Comprehensive insurance provides protection for your vehicle
if it is damaged by something other than a collision with a vehicle or object, or if your vehicle is stolen. Fire and Theft with CAC provides
similar protection to that of Comprehensive insurance, except its coverage is limited to certain specific, non-collision incidents. Fire and
Theft with CAC does not cover windshield claims.
Also known as Bobtail, Non-Trucking Liability insurance provides coverage for your truck in case you cause an accident while
you are using your vehicle for non-business or personal use, when you aren’t driving under dispatch.
Occupational accident insurance provides owner operators with an affordable source of indemnification for "work accident injuries."
This coverage offers important benefits for Accidental Death and Dismemberment, Accident Medical and Accident Disability Income.
It is suitable and effective for owner-operators who do not fall under the requirements of worker's compensation statutes.