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Owner Operator Truck Insurance

Owner Operator Truck Insurance in Alabama

Truck Insurance for Leased Owner Operators in Alabama

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. With this program, we offer physical damage and non-trucking liability coverages in Alabama. For those that qualify, our program offers additional features that are an additional benefit to you.

Physical damage insurance coverage refers to damage to your own vehicle. It is further broken down into two sub-categories: collision insurance and comprehensive coverage. Collision insurance covers damages done to your equipment whether you have a trailer attached or not. Comprehensive insurance provides coverage for damages arising from acts of nature, or theft. We strive to provide you with the best coverage package in Alabama at the most competitive pricing. Our owner-operator program has enhanced options to provide critical assistance to you when involved in an accident. 

Insurance coverage designed specifically to protect 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 as a business purpose. Non-Trucking Liability coverage provides for property damage or bodily injury to others while used for non-business purposes.

With owner operator truck insurance in Alabama, 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 plan options guaranteed to fit your unique needs. Trucking occupational accident coverage includes vital medical, disability, death, and dismemberment benefits for accidents that occur on the job.

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.


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

single deductible

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

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


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


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.


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!

For more information about Commercial Truck Insurance for owner-operators and fleets

See the links below to our blog posts about all things related to the trucking industry.


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