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Learn about our unmatched owner operator trucking insurance coverage packages.

At Thomas Wilson Group, we offer specialized, personalized packages tailored to fit the unique needs of owner-operators leased onto a motor carrier and operating under their primary liability authority. Through this program, we provide Physical Damage and Non-Trucking Liability coverage packages. For those eligible, we offer additional features that are a supplemental benefit to you and an added defense against the unpredictable.

Physical Damage for Owner Operators

Physical damage coverage refers to damage incurred by your vehicle. Furthermore, it is broken down into two sub-categories: collision insurance and comprehensive coverage. We strive to provide you with the best coverage package at the most competitive pricing. Moreover, our Owner-Operator Program has enhanced options to provide critical assistance to you when involved in an accident.

Non-Trucking Liability for Owner Operators

Non-trucking liability insurance coverage protects owner-operators when your truck is not being used for the business of the motor carrier to whom you are permanently leased or carrying property for a business purpose. Non-Trucking Liability coverage provides coverage for property damage or bodily injury to others while used for non-business purposes.

Occupational Accident for Owner Operators

Protect your most important asset: the people behind the wheel. Whether you're looking to protect a single Owner-Operator Independent Contractor or a fleet of hundreds, we offer package options that are guaranteed to accommodate your unique needs. Trucking Occupational Accident Coverage includes vital medical, disability, death, and dismemberment insurance for accidents that occur on the job.

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    Enhanced Coverage

    Coverage for Downtime, Gap coverage,  Personal Effect, Single Deductible, Tarps, Chains, and Binders are included in the premium of values above $30,000.

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    Monthly Billing

    Our monthly billing is designed to help manage cash flow while operating your business!

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    Single Deductable

    When both truck and trailer insured in our program and the value is above $30,000 then one deductible would apply

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    Dedicated Agent

    Here to serve you! You will have a dedicated agent who will work with you throughout the entire process to ensure that you are properly protected

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    Automatic Payments

    Peace of mind knowing that you are covered with automatic ACH or credit card monthly payments at the same time each month.

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    Referral Program

    How did we do?  Refer people to our program and we write the insurance and you will receive a $25.00 referral gift card as our thanks for thinking of us.

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    Forget the hassle of having to print documents.  All of our applications are sent to you through a fast and easy electronic signature format.  Upon coverage being bound, proof of coverage and Auto ID cards are sent directly to your email!

Let's Get Started
Owner Operator Physical Damage Featured Coverages:
  • Downtime​
  • Tarps, Chains, and Binder Coverage​
  • Personal Effects​
  • Single Deductible for Truck and Trailer Owned​
  • Lease/Finance (Gap) Coverage
  • Towing - No limit as the result of a covered accident

All coverages above included in the price of the premium on units $30,000 and above and optional $30,000 and below