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Insurance · November 14, 2025
Trucking Insurance Basics for Owner-Operators and Small Fleets
The key coverages owner-operators and small fleets need, explained plainly.
Whether you run one truck or a small fleet out of Southern Colorado, the right insurance keeps you on the road and in compliance.
Core coverages
- Primary auto liability (often required by FMCSA)
- Physical damage for your tractor and trailer
- Motor truck cargo
- Non-trucking or bobtail liability
- Workers' compensation or occupational accident
Rates depend on your radius, cargo, driver records and equipment. Call us to review your current setup — we'll make sure the certificate your shippers ask for matches what you actually have.
