Owner-Operator Trucking Insurance Solutions

Protecting Your Rig, Your Business, and Your Future

At Transtar Insurance Brokers, we understand that owner-operators are the backbone of the trucking industry. Whether you own one semi-truck or a small fleet, you face daily risks on the road—and you need reliable, affordable commercial trucking insurance to keep moving forward.

With over 60 years of experience specializing in trucking insurance, we provide tailored coverage and expert support for independent drivers, leased owner-operators, and those running under their own authority. Our mission is to protect your equipment, your cargo, your business, and your livelihood.

Why Owner-Operators Choose Transtar Insurance Brokers

Why Choose Transtar?

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Decades of Industry Experience

Since 1963, we’ve been a trusted partner to owner-operators across the country. Our expertise in truck insurance coverages allows us to provide strategic solutions built specifically for the transportation industry.

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Custom-Tailored Insurance Strategies

No two trucking operations are the same. We work one-on-one with every client to design personalized trucking insurance plans based on your routes, cargo types, truck value, and business goals. From liability coverage to physical damage to motor truck cargo, workers' comp, employee benefits, and beyond, we make sure you’re covered from every angle.

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Speed & Simplicity

Need coverage fast? We offer same-day quotes and binding on most policies. We also provide flexible payment options and direct billing to keep your cash flow steady.

Comprehensive Truck Insurance Coverages for Owner-Operators

We offer a wide range of owner-operator trucking insurance solutions, including essential protections and optional enhancements to give you complete peace of mind:

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.

Auto Liability Insurance

This is a must-have for any owner-operator. Primary liability coverage protects you if your truck causes an accident involving injury or property damage. We ensure your policy meets federal and state requirements for motor carriers and owner-operators operating under their own authority.

Get Your Truck Insurance Quote Now

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

Physical Damage Coverage

Your semi-truck is your most valuable asset. Our physical damage insurance covers:

  • Collision: Repairs after a crash with another vehicle or object

  • Comprehensive: Protection from theft, vandalism, fire, weather, and other non-collision events

We highly recommend this coverage if your truck is financed or leased.

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.

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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.

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Motor Truck Cargo Insurance

Motor truck cargo insurance is essential for covering loss or damage to the freight you're hauling. Whether you’re transporting goods for shippers or working with a freight broker, we provide:

  • Protection against theft, fire, collision, and spoilage

  • Coverage for high-value and specialized cargo

  • Custom limits and deductibles based on the type of freight you carry

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Non-Trucking Liability (NTL) & Bobtail Insurance

Even when you're not under dispatch, you still need protection.

  • NTL Insurance: Covers personal use of your truck when you're not hauling or under a load

  • Bobtail Insurance: Covers your tractor when operating without a trailer, whether or not you're under dispatch

These are critical coverages for leased owner-operators working under a carrier.

Occupational Accident Insurance

If you're not covered under a traditional workers' compensation plan, our occupational accident coverage protects you in the event of injury. It includes:

  • Medical expenses

  • Disability benefits

  • Accidental death and dismemberment coverage

This policy is designed specifically for independent truckers and offers affordable, flexible options.

Additional Owner-Operator Insurance Options

To help you stay fully protected, we also offer:

  • General Liability Insurance: For damage or injuries occurring during loading/unloading, on premises, or from non-trucking activities

  • MCS-90 Endorsements: To ensure federal compliance

  • Risk Retention Group Insurance: For specialty coverage needs or hard-to-insure risks

  • Flexible Financing Options: Spread out your premium payments with easy-to-manage plans

Insurance Designed for New Ventures and Growing Fleets

Starting out on your own? No problem. We offer new venture trucking insurance programs designed to help you get your business rolling without breaking the bank. Our specialists will walk you through every step, from setting up your DOT number to securing your first load.

If you’re expanding or adding trucks to your operation, we’ll scale your coverage to match your growth and keep your business compliant and protected.

Get a Fast, Free Truck Insurance Quote Today

At Transtar Insurance Brokers, we’re here to support your journey from the first mile to the millionth. Our expert agents make it simple to get a customized truck insurance quote, bind coverage, and hit the road with confidence.

Whether you need help choosing between bobtail and NTL, finding the right cargo limits, or meeting a shipper's insurance requirements, we've got your back.

Call us now or request your free trucking insurance quote online today.

Let’s build a policy that keeps your wheels turning and your business protected!

Get a quote

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