Grandbay Financial Services
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Transportation · Owner-Operators

Insurance for Owner-Operators & Independent Truckers

Owner-operators face a unique insurance challenge — you need to satisfy the requirements of the motor carriers you lease to while also protecting your own equipment and income. Whether you're leased to a carrier or operating under your own authority, Grandbay places programs specifically designed for the independent trucker, with coverage that works whether you're under dispatch or running bobtail.

Get an Owner-Operator Quote Speak to a Specialist
Who We Serve
Leased Owner-OperatorsIndependent Authority OperatorsBobtail OperatorsSingle-Truck OperatorsSmall Fleet Owner-OperatorsLease-Purchase OperatorsIndependent Contractors
Specialized Coverage

Purpose-Built Programs for Owner-Operators

Owner-operators face a unique insurance challenge — you need to satisfy the requirements of the motor carriers you lease to while also protecting your own equipment and income. Whether you're leased to a carrier or operating under your own authority, Grandbay places programs specifically designed for the independent trucker, with coverage that works whether you're under dispatch or running bobtail.

Why Grandbay
Owner-operator insurance specialists
Bobtail & non-trucking liability
Occupational accident coverage
Equipment financing compliance
FMCSA filing expertise
Cargo theft prevention programs
A-rated trucking carriers
Coverage Programs

What We Cover

Primary Auto Liability

FMCSA-compliant primary liability coverage for owner-operators operating under their own authority.

Non-Trucking Liability (Bobtail)

Coverage for owner-operators operating their truck for personal use or when not under dispatch from a motor carrier.

Physical Damage

Comprehensive and collision coverage for your tractor and trailer against accident damage, theft, and weather events.

Motor Truck Cargo

Coverage for cargo in your care, custody, and control against loss from accident, theft, and covered perils.

Occupational Accident

Coverage for owner-operators who are not eligible for workers compensation, providing disability income and medical benefits.

Umbrella / Excess Liability

Excess coverage above primary auto liability for catastrophic accident exposure.

Risk Advisory

Key Exposures We Address

Owner-Operators operations carry distinct risks that require specialized coverage strategies. Our team identifies and mitigates the exposures most likely to impact your business.

01
Catastrophic Accident Liability
Owner-operators face personal financial exposure from catastrophic highway accidents that exceed their primary liability limits.
02
Equipment Financing Requirements
Lenders financing tractor and trailer purchases require specific physical damage coverage as a condition of the loan.
03
Bobtail Exposure
Owner-operators operating their truck when not under dispatch are not covered by the motor carrier's policy — bobtail coverage fills this gap.
04
Income Loss from Injury
Owner-operators who are injured and unable to drive face significant income loss without occupational accident coverage.
05
Cargo Theft
Owner-operators hauling high-value cargo face significant cargo theft exposure, particularly at truck stops and rest areas.
06
FMCSA Compliance
Owner-operators operating under their own authority must maintain FMCSA filing requirements and safety ratings.
Get Protected

Ready to Protect Your Owner-Operators Operation?

Our specialists are ready to design a program tailored specifically to your operations, exposures, and growth objectives.

Get an Owner-Operator Quote 1 (888) 676.4902