Anytime you are not leased to a carrier, you need to get Trip Insurance.

Let us help you find the best solution for you. Trip Insurance is available to Independent Contractors who are not currently under lease to a motor carrier, but need insurance on their equipment.

Trip Insurance is intended to provide Physical Damage Coverage on the tractor, protecting you - the owner operator - from potential loss, as well as satisfying the requirements of any potential lien-holders. Trip Insurance also provides a Non-Trucking Liability Policy, which would give temporary liability coverage to an owner operator to move the equipment from one point to another.

This is typically needed when purchasing a new truck or taking your equipment to a new motor carrier. Once leased with the carrier, you also have the option to seamlessly convert the temporary trip policy to a permanent policy through Independent Advantage.

Add Trip Insurance to your plan.

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Occupational Accident Insurance is a work injury protection plan designed to help 1099 paid, independent contractors in the event that they are injured in an on-the-job, trucking-related accident. Occupational Accident Insurance is not to be confused with Workers' Compensation Coverage as they are not the same.

Occupational Accident Insurance provides benefits up to the stated limits of the policy in the event of:

• short and long-term disability
• medical expenses
• accidental death

The benefits provided can assist you with:

• truck payments
• insurance
• rent/mortgage payments
• living expenses

Additionally, most motor carriers require owner operators to carry work injury insurance as a requirement of the owner operator lease agreement. In many cases, Occupational Accident Insurance can satisfy this requirement.

Add Occupational Accident Insurance to your plan.

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Say you decide to take your truck to a movie and you are involved in an auto accident. Non-Trucking Liability insurance is designed to cover legal liability incurred when you are not using your truck for business purposes.

Independent Advantage offers Non-Trucking Liability Insurance to owner operators who are under permanent lease to a motor carrier. Non-Trucking Liability provides coverage in the event that you use your vehicle or equipment outside the business of trucking or for personal use. Non-Trucking Liability Coverage is required by most motor carriers as stated in owner operator lease agreements.

Independent Advantage also offers Bobtail Liability Coverage. Bobtail Liability provides coverage in the event that you would be operating your tractor while it is not hooked to a trailer. Bobtail Insurance is required by motor carriers as stated in owner operator lease agreements.

Add Non-Trucking Liability Insurance to your plan.

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What do you do if you are in an accident on a haul? Physical Damage insurance pays to repair or replace your vehicle if it collides with another object, overturns or rolls. This coverage is required by lien-holders if the equipment is financed.

Independent Advantage offers Physical Damage coverage to help you protect your assets in the event that your equipment is damaged or totaled. Physical Damage coverage helps pay for repairs or replacement of your equipment in the event of a covered loss. Also available with our Physical Damage coverage is Extended Coverage, which provides extra benefits, such as:

• downtime
• rental reimbursement
• a diminishing deductible to reward safe drivers
• personal property and electronic equipment coverage

Add Physical Damage Insurance to your plan.

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Oh no! Your truck was in an accident and you lost some of your personal belongings. Personal Property Insurance provides coverage for your stuff when you are out on the road.

If your truck is exclusively used for business purposes, you may face substantial personal risk, as many Homeowner's and Renter's policies exclude personal property. Additionally, varying coverage limits and deductibles may not provide adequate coverage for the replacement of your personal belongings in the event of a loss.

Personal Property Insurance is designed to cover the special items you keep in your truck. The coverage provides replacement due to theft, accident or other causes - all covered by a deductible as low as $100.

Coverage includes, but is not limited to, the following items:

• computers
• CD players
• cell phones
• multimedia (CDs, DVDs, etc.)
• tools and toolboxes
• tablets and mobile electronic devices (smartphones, tablets, etc.)
• CB radio
• television
• clothing

Add Personal Property Insurance to your plan.

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You get a flat. You need a tow. You lock yourself out of your truck. Get coverage for events not typically covered by an insurance policy by getting Roadside Assistance from Independent Advantage.

For a low monthly cost, Roadside Assistance will provide towing coverage for a mechanical failure or breakdown. Most Physical Damage Insurance policies will only provide towing coverage if the insured owner operator is involved in a covered accident. By having Roadside Protection, there would be a towing benefit available to the owner operator for breakdowns (up to 2 hours or 50 miles).

Other benefits of the Roadside Protection program include:

• jump starts
• tire delivery and replacement assistance
• oil, fluid, and water delivery
• lockout and key replacement
• mobile mechanic
• fuel delivery
• trip routing
• winching and extricating
• hotel and travel discounts

By having this coverage in place, you could potentially save thousands of dollars if these benefits are ever needed.

Deductible Buyback

You are held responsible for certain deductible levels while insured. Independent Advantage offers a Deductible Buyback policy which minimizes your out-of-pocket deductible expense to $500.

Gap Coverage is insurance that covers the difference between the actual cash value (ACV) of a damaged or stolen vehicle and the amount still owed on the vehicle under a loan or lease.

This difference also arises due to the rapid depreciation of most automobiles in their early years and can prove problematic if the car is totaled in an accident or is stolen and unable to be recovered.

Add Roadside Assistance, Deductible Buyback or Gap Coverage to your plan.

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