Owner Operator Insurance Solutions

Your Source For Reliable Trucking Insurance

Why Choose Transtar?

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Over 60 Years of Expertise

Transtar Insurance Brokers has been a trusted insurance partner for owner operators for 60+ years. Our decades-long commitment to providing dependable solutions demonstrates our ability to serve the needs of small businesses in the transportation industry.

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Tailored Insurance Strategies

We recognize that each fleet is different, facing its own set of challenges and opportunities. That's why we specialize in crafting personalized insurance strategies that are specifically made to address the needs of owner operators. We'll work closely with you to develop comprehensive yet affordable insurance coverage that protects your assets and operations.

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Comprehensive Support Network

At Transtar Insurance Brokers, we're more than just insurance providers; we're partners in your success. As an owner operator, you can count on us for a comprehensive support network tailored to your unique requirements. From going through insurance options to providing ongoing assistance and guidance, our dedicated team is here to help you every step of the way.

Customized Coverage Options

At Transtar Insurance Brokers, we offer a wide range of owner-operator insurance programs tailored to your specific needs. Our in-house programs are specially designed to cater to new ventures, and we pride ourselves on providing quick and efficient service. With Transtar, you can often get a quote and bind coverage on the same day.

General Liability Insurance

General Liability Insurance (GL) provided by Transtar Insurance Brokers protects owner-operators beyond car accidents. It covers property damage and injuries at your business, going beyond auto liability to safeguard your building, products, and operations. GL also covers injuries and medical bills up to your policy limits, providing peace of mind in the
unpredictable trucking business.

Types of Owner-Operator Programs

Our comprehensive owner-operator insurance programs include:

  • Auto liability

  • Bobtail insurance

  • Cargo coverage

  • Direct bill programs

  • Flexible finance plans

  • MCS90

  • Non-trucking liability

  • Occupational accident insurance

  • Physical damage coverage

  • Risk-retention group insurance

Get Your Truck Insurance Quote Now

Transtar Trucking Insurance Contact to get your personalized truck insurance quote today.

Occupational Accident Coverage

Accidents can happen anytime, anywhere. That's why Transtar Insurance Brokers offers occupational accident coverage to provide financial protection for Trucking Company owner-operators. Whether it's medical expenses or disability benefits, our customizable policies ensure you're covered when you need it most.

Auto Liability

When it comes to protecting your Trucking Company assets, Transtar Insurance Brokers offers comprehensive auto liability insurance. We understand the specific needs of Trucking Companies in the USA and provide tailored insurance options to keep your business secure. Whether you're concerned about bankruptcy or need extra coverage for freight broker businesses, we have the right solutions for you.

Contingent Auto Liability: This coverage protects owner-operators in case they go bankrupt or their main insurance company fails. The policy covers claims that fall under its terms, keeping you from having to pay for things you didn't expect.

We make the coverage limits fit your needs. Usually, they are between $1 million and $25 million. We will help you understand your insurance policy so that you can make smart choices and keep your rig running safely and efficiently.

Motor Truck Cargo

Safeguarding your cargo during transit is essential for owner operators. That's why Transtar Insurance Brokers provides reliable motor truck cargo insurance that can cover up to $100,000 in damages. With our customizable policies, you can rest assured knowing that your clients' goods are protected.

Physical Damage

Protecting your truck from accidents and other risks is vital for owner operators. Transtar Insurance Brokers offers comprehensive physical damage coverage to keep your rig safe on the road. Whether it's collisions or non-accident-related damage like theft, our insurance options have you covered.

Collision coverage: This protects your vehicles from damage that can happen when they hit other cars or things.

Comprehensive Coverage: This option covers damage to the truck that isn't caused by an accident, like theft or fire.

To protect your investment from many risks, you need both types of coverage. This is especially true if you have a loan on your truck or a lien holder. Physical Damage Coverage is needed to keep your operations running smoothly and keep your money safe.

Non-Trucking Liability & Bobtail Insurance

Even when you're off-duty, you still need protection. Transtar Insurance Brokers offers non-trucking liability (NTL) and bobtail insurance to cover you during personal driving. Our policies go beyond legal requirements to provide essential protection for owner-operators.

NTL stands for "non-trucking liability insurance." The driver needs this insurance when the truck is not being used for business and is being used for personal things. A commercial policy endorsement protects you no matter what kind of trailer you attach it to.

Bobtail insurance: If you drive your truck without a trailer hitched to it, this insurance covers "bobtailing." No matter what the dispatch status is, bobprotects the tractor when it's not pulling a trailer.

Excess or Umbrella Insurance

Excess and umbrella insurance are very important for owner operators because they protect them from liability in ways that primary insurance policies don't. These coverages are crucial in the trucking industry, where the potential for substantial financial losses can be high.

Excess insurance: This type of coverage raises the limits of a liability policy that is already in place without changing the terms of the policy itself. This policy kicks in when claims go over the limits of the main policy. This keeps you protected against large-scale financial liabilities.

Umbrella insurance: This type of coverage provides extra liability protection and can also fill in coverage gaps that may exist in primary policies. It provides broader protection against a range of liabilities that could potentially devastate a small operation.

Claims Management

Dealing with insurance claims is not easy, but Transtar Insurance Brokers is here to help. Claims are often the most expensive part of insurance. Our skilled in-house advocates work directly with your insurance company to ensure all of your claims are processed quickly and accurately so you can focus on running your business. We make the most of claims so that your insurance costs go down and your profits go up.

With Transtar Insurance Brokers, you can rest easy knowing that your insurance needs are in good hands.

Get a quote

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5450 E. High Street, Suite 300
Phoenix, AZ 85054