Owner Operator Truck Insurance in FL, GA & SC | Linehaul Insurance
Coverage for independent drivers

Owner Operator
Insurance

You built your business one mile at a time. We protect it with trucking insurance written specifically for independent owner operators running under their own authority.

What's covered

Protection Built
for Your Rig

Whether you're dry van, flatbed, reefer, or hotshot, we write policies tailored to how you haul. Available in Florida, Georgia, and South Carolina.

Primary Liability

Federally required coverage that protects against bodily injury and property damage to third parties. We ensure you meet FMCSA minimums and carrier requirements.

Physical Damage

Covers your truck and trailer against collision, fire, theft, and other perils. Protect your biggest asset on and off the road.

Motor Truck Cargo

Protects the freight you're hauling against loss or damage. Most shippers and brokers require this — we make sure you're covered for the loads you run.

Bobtail / Non-Trucking Liability

Coverage when you're operating your truck outside of dispatch — between loads, deadheading, or personal use. Fills the gap your carrier's policy leaves.

Get Your Quote Today

Most quotes turn around same day. Tell us about your operation and we'll find the right coverage at the right price.

Equipment We Cover

  • Dry Van
  • Refrigerated / Reefer
  • Flatbed & Step Deck
  • Hotshot (bumper pull & gooseneck)
  • Power Only
  • Box Truck
  • Tanker

Why Owner Operators Choose Us

  • Specialists in trucking — not a generalist agency
  • Fast certificate of insurance delivery
  • We work with new authorities
  • Competitive markets for all haul types
  • Based in FL — licensed in FL, GA & SC
Common questions

Owner Operator Insurance FAQ

How much liability insurance does an owner operator need?

For-hire interstate carriers hauling general freight in trucks over 10,001 lbs must carry at least $750,000 in primary liability under FMCSA rules, and hazmat haulers need more. In practice, most shippers and brokers ask for $1,000,000, so that is what we usually recommend quoting.

Can I get insured with a brand-new authority?

Yes. We work with new authorities every week. New ventures pay more than established carriers, but we shop several trucking markets to find the most competitive option and get your filings in place so your authority can activate.

What is the difference between primary liability and non-trucking liability?

Primary liability covers you while you are hauling under your own authority or under dispatch. If you are leased on to a motor carrier, that carrier's primary policy covers you while dispatched, and non-trucking liability (NTL, often called bobtail) covers you when you are driving off dispatch.

What affects the price of owner operator insurance?

The biggest factors are your driving record and CDL experience, how long your authority has been active, your radius of operation, the cargo you haul, the value of your equipment, where the truck is garaged and your loss history.

How do I get a certificate of insurance for a shipper or broker?

Once your policy is bound, call or email us with the certificate holder's details and we will issue the certificate and send it to them directly. Existing customers can also log in to the customer portal.

Ready to hit
the road covered?

Call 1-888-348-9202 Or get a quote online →