Owner-Operator Insurance

sun
	owner-operator-hero

You drive your business. We protect your business.  

Every mile you cover is a step toward realizing your business goals. Our Owner-Operator Insurance protects every leg of your journey, offering comprehensive coverage tailored for your unique needs. From liability and cargo to downtime and beyond, we understand the roads you travel and the risks you face. Our policies keep you moving forward, ensuring that no matter where your business takes you, your investment and livelihood are safeguarded against the unexpected.

Talk to a specialist

sun
	owner-operator-hero

We provide customized Owner-Operator  
Insurance policies for:

Long-Haul Transportation

Specialized Cargo Hauling

Regional Delivery Services

Construction and Heavy Equipment Transport

Agricultural Transportation

Let’s find the right insurance policy to match the unique needs of your business

Primary Liability

Primary Liability

Essential for covering damages or injuries to others if you're at fault in an accident. This insurance is a mandatory requirement, with coverage limits often dictated by federal and state regulations, ensuring that third parties receive compensation for injuries or damages.

Physical Damage

Physical Damage

Protects your investment in your truck and trailer, covering repair or replacement costs. This coverage is crucial whether the damage is due to an accident, vandalism, or natural disasters like storms and floods. Physical damage insurance can be broken down into collision insurance for accidents and comprehensive insurance for almost all other risks, providing broader protection for your assets.

Non-Trucking Liability

Non-Trucking Liability

Provides coverage when you're driving your truck without hauling a load for business purposes, such as personal errands. This insurance fills the gap left by primary liability policies, ensuring you're covered outside of your business operations.

Motor Truck Cargo

Motor Truck Cargo

Covers the freight or commodity you're hauling, safeguarding against loss or damage. This policy is tailored to the types of goods transported, with different industries requiring different coverage limits and protections. For instance, hauling perishable food items may necessitate coverage for refrigeration breakdown, while transporting high-value electronics might require higher coverage limits for theft or damage.

Occupational Accident Insurance

Occupational Accident Insurance

Offers benefits to owner-operators for work-related injuries, complementing your health insurance. This insurance can provide coverage for medical expenses, lost wages, and death benefits, making it a critical component of an owner-operator's insurance portfolio. Unlike workers' compensation, occupational accident insurance allows for more flexibility in coverage levels and deductibles, making it a cost-effective alternative for independent drivers.

Primary Liability

Primary Liability

Essential for covering damages or injuries to others if you're at fault in an accident. This insurance is a mandatory requirement, with coverage limits often dictated by federal and state regulations, ensuring that third parties receive compensation for injuries or damages.

Physical Damage

Physical Damage

Protects your investment in your truck and trailer, covering repair or replacement costs. This coverage is crucial whether the damage is due to an accident, vandalism, or natural disasters like storms and floods. Physical damage insurance can be broken down into collision insurance for accidents and comprehensive insurance for almost all other risks, providing broader protection for your assets.

Non-Trucking Liability

Non-Trucking Liability

Provides coverage when you're driving your truck without hauling a load for business purposes, such as personal errands. This insurance fills the gap left by primary liability policies, ensuring you're covered outside of your business operations.

Motor Truck Cargo

Motor Truck Cargo

Covers the freight or commodity you're hauling, safeguarding against loss or damage. This policy is tailored to the types of goods transported, with different industries requiring different coverage limits and protections. For instance, hauling perishable food items may necessitate coverage for refrigeration breakdown, while transporting high-value electronics might require higher coverage limits for theft or damage.

Occupational Accident Insurance

Occupational Accident Insurance

Offers benefits to owner-operators for work-related injuries, complementing your health insurance. This insurance can provide coverage for medical expenses, lost wages, and death benefits, making it a critical component of an owner-operator's insurance portfolio. Unlike workers' compensation, occupational accident insurance allows for more flexibility in coverage levels and deductibles, making it a cost-effective alternative for independent drivers.

Our hands-on industry experts understand Auto and Truck Dealers from the showroom floor to the final sale.

Carter Wilson

Vice President of Business Development, Vested Risk

Carter has spent seven years honing his expertise in last-mile delivery insurance. Starting as an intern and quickly rising through the ranks, he’s secured exclusive contracts with industry giants such as Amazon and FedEx. He leads the sales team, focusing on acquiring new accounts and developing innovative risk management solutions for the last-mile delivery sector, demonstrating his pivotal role in the company's success and growth.

Nick Jones

President of Transportation, High Street Transportation Practice Group Leader

Nick brings over 18 years of seasoned expertise to the Commercial Auto Insurance industry, with a specialized focus on the Transportation sector. Since starting his journey, he’s been instrumental in escalating growth from zero to $20 million in premiums within four years. His profound knowledge and innovative approach to ensuring high-risk Transportation areas, such as crane haulers, highlight his crucial role in navigating the industry's complexities. As a leader, Nick's multifaceted role showcases his dedication to team success and driving forward-thinking solutions.

Vin Stazzone

President, Williams & Stazzone Insurance

Vin graduated from the University of Central Florida in 1997 and started his insurance career. Over the next nearly 30 years, he started and led several insurance brokerages, including retail and wholesale insurance operations.

He now leads our verticals catering to the Truck, Motorcycle, Auto, RV, and Equipment industries. Vin also leads the Gulf Region for Highstreet Insurance Partners. As President, he helps our team deliver on the client experience and is responsible for the growth, development, and profitability of our operations in the Gulf Region.