Owner Operator Insurance?

Talk to your insurance agent. Without seeing all your details no one knows but you.

 

Physical damage covers damage (repairs) to your Truck, up to a full total loss. Minus deductible. NTL is commonly called Bobtail Ins. It covers others property, while you’re not under dispatch. While under dispatch, others property is covered by the Companies Public Liability policy. Sounds like you’re good. Typical insurance coverage. The Trucks in your name, so it’s insured in your name. The Public Liability policy is in the Company whose Authority you’re Leased to and running under. Just make sure you have enough coverage to pay for another same type Truck, should it get wrecked beyond repair. Make sure you also have Fire and Theft coverage, not just Physical damage coverage. You probably do, it’s not real expensive if not. If financed it’s required. If not, you don’t need any coverage, except for B/T or NTL to fully protect others from you. Ofcourse in case of an accident, you’d have to Pay to repair or replace the Truck yourself.