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Owner operator truck insurance

blue truck on highway

What is owner operator truck insurance?

Record-setting demand for freight hauling1 has expanded the opportunities for independent truck drivers. With opportunities come risks, such as exposure to work injury. Zurich’s owner operator truck insurance provides protection for contract drivers not covered by workers’ compensation policies.

Our Occupational Accident insurance for truck drivers pays medical expenses and disability income if the driver is injured while working. Related commercial truck insurance coverages include non-trucking liability and coverage for physical damage to the truck, as well as passenger accident. We also offer enhancements not widely available, such as truck payment coverage if an injured driver is unable to work and is struggling to make loan payments.

Our occupational accident coverage is available for trucking owner-operators through the companies that hire them to drive.

Why Zurich?

We’ve provided Occupational Accident solutions since 1997, and our customer retention rates exceeded 90% in 2018.2 Our underwriters have extensive knowledge of state regulations regarding independent contractors in trucking.

We customize coverages for the needs and budgets of independent contractors, and we simplify the solutions for the platform that sponsors the offering. Coverages can be structured in a variety of ways with enhancements available.

Claims service
Our in-house Claims team, dedicated to Occupational Accident and Contingent Liability lines, averages over 20 years’ experience.3 Zurich’s claims service earns “Best in Class” scores from our customers.4


Our occupational accident coverage is available for trucking owner-operators through the companies that hire them to drive.


Coverages for independent drivers

Coverages for independent drivers include:

  • Occupational accident: Pays medical expenses and disability income if the driver is injured while working.
  • Physical damage: Provides collision and comprehensive coverage when a truck is damaged in an accident, theft, fire, hail or other hazards of the open road.
  • Non-trucking liability: Designed to close coverage gaps that may arise when a contractor uses the truck for non-work activities.
  • Passenger accident: Provides accident benefits for passengers in a covered contractor’s truck.

Available enhancements include:

  • Truck payment coverage: Helps truck drivers meet financing obligations if an injury prevents them from working.
  • Vocational retraining: If a trucker cannot return to driving after an injury.
  • Critical burn: Because the risk of severe burns is high in trucking.
  • Non-medical repatriation and return of remains: If an accident extends a driver’s time away from home or results in death.

Coverages for trucking companies

Companies that choose Zurich’s Occupational Accident coverage for their drivers also have the following options.

  • Contingent liability: Offers companies legal defense and workers’ compensation settlement/benefit costs if a covered contractor seeks employment status for purposes of receiving workers’ compensation.
  • Corporate workers’ compensation: Statutory workers’ compensation policy issued to a company to cover employee injuries and events outlined in state law. Generally provides coverage for medical bills and lost wages for employees who are injured on the job regardless of fault.
  • Fleet workers compensation: Statutory workers’ compensation policy issued to an eligible trucking fleet owner contracted exclusively to an approved motor carrier.
  • Accidental death and dismemberment buy-back: For transportation companies that self-insure, provides protection for their statutory workers’ compensation deductible by reimbursing for workers’ compensation AD&D claims.

Related industry and insurance

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Life and absence management solutions


Professional Liability

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1. Bearth, D. P. “Carriers, shippers working to meet demand for freight hauling.” Transport Topics. 19 April 2018.
2. Zurich bound 94% of the renewals that were quoted in 2018.
3. Based on insurance industry experience handling claims as of October 2019.
4. Zurich Closed Claims Net Promoter Score: 83 (January 2017-June 2019). “Best in Class” NPS threshold for insurance industry: 51 (2019). Source: Medallia.