Our owner operator insurance program spans a range of coverages including liability, physical damages and health insurance. All the coverage you need for peace of mind!

Non-Trucking Use Liability

Non-trucking liability insurance provides coverage if you’re involved in an accident while not under dispatch. Our plan includes $1,000,000 liability coverage for full-time leased owner operators.  Includes uninsured motorist limits of $100,000 Combined Single Limit for Bodily Injury.

Physical Damage

Coverage for damage to your truck and trailer. Protection with $1,000 or $2,500 deductible on comprehensive and collision, and subrogation services are available to seek reimbursement of your losses from the party whose negligence caused the incident.

Physical Damage With Leased/Financed Option

Leased and Financed Value coverage is available to cover any gap in coverage between Actual Cash Value and what is owed on the unit. Physical damage protection with $1,000 or $2,500 deductible on comprehensive and collision, and subrogation services are available.

Deductible Reimbursement

Helps cover the deductibles you are responsible for under your contract with the motor carrier you’re leased to.

Commercial General Liability

General liability insurance covers property damages or injuries that don’t involve your vehicle. $1,000,000 limit covers your premises & operations exposures as an Owner Operator, also includes $100,000 Fire Legal Liability and $5,000 medical.

Scheduled Property

Do you have binders, tarps, tie downs, chains, or other equipment used for securing cargo on trailers? You need separate coverage when you don’t own the trailer. This coverage provides full comprehensive and collision coverage. This coverage is also used to extend the covered auto’s physical damage coverage to include certain electronic items not automatically covered in the policy, such as permanently installed computer systems, fax machines, video cameras, satellite tracking systems, two-way radios, etc.

Occupational Accident and Disability

A blend of accident, health and casualty coverage that offers protection for an injury sustained while performing the obligations as a truck driver 24-hours a day, anywhere they drive, while under dispatch.

Health Coverages

BenefitProtect provides multi-level health benefit solutions with individualized enrollment capabilities and one-on-one benefit counseling for both individuals and small groups. You can choose the benefit programs that suit you. The benefit offerings are customized for each individual’s needs. Options include a major medical plan, limited medical plan, medical discount savings card, dental, accident and term life insurance. To enroll or discuss the benefit options listed with a BenefitProtect benefits specialist, please call toll free 1-866-212-6035.

Sound like something you might be interested in?

Give COOL a call today at 800-909-6966 to get more information and a free quote.