Owner-operators with their own authority
You carry the primary liability and the filings. We put the whole policy together: liability, cargo, and cover for your rig.
Usual lines: Primary liability · Cargo · Physical damage
Keep your truck moving, we’ll keep you covered.
Akaal Insurance Agency covers owner-operators, fleets, and new authorities. Tell us what you run on WhatsApp or the quote form, and a licensed agent works up your quote.
We work with top insurance companies
We shop your truck with carriers that write commercial trucking. Which ones can quote you depends on your equipment, your operation, and where you run.
- Progressive Commercial
- GEICO
- AIG
- Great American Insurance Group
- Northland Insurance
- Canal Insurance
- Berkley Small Business Solutions
- Crum & Forster
- IAT Insurance Group
- Navigators
- Nirvana
- Palomar
- Southlake Insurance
- DB Insurance
Every coverage, in plain words
What each coverage pays for, and who usually has to carry it. Tap a line for the full rundown.
- Primary liabilityPays for injuries and property damage you cause to other people while driving your truck.
- CargoPays for the freight on your trailer if it is damaged, destroyed, or stolen while in your care.
- Physical damagePays to repair or replace your own truck and trailer after a crash, fire, theft, or storm.
- Bobtail / NTLLiability cover for leased owner-operators for the miles their motor carrier's policy does not cover.
- General liabilityCovers business risks that have nothing to do with driving, like an injury at your yard or damage at a customer's dock.
- Trailer interchangePays for damage to a trailer you do not own while you are pulling it under a written interchange agreement.
- Reefer breakdownPays for temperature-controlled freight that spoils because your refrigeration unit suddenly failed.
- Occupational accidentPays medical bills and lost income if an owner-operator is hurt on the job and has no workers' compensation.
Different setups need different coverage
Owner-operators leased to a carrier
Your carrier covers you under dispatch. You still need cover for the miles home, your own truck, and yourself.
Usual lines: Bobtail / NTL · Physical damage · Occupational accident
New authorities
No history on the MC number yet means carriers ask more questions. We tell you what to have ready before you apply.
Usual lines: Primary liability · Cargo · General liability
Fleets
More trucks, more drivers, more paperwork. Send the unit and driver list in one go and we quote the fleet together.
Usual lines: Primary liability · Physical damage · Trailer interchange
From quote to certificate
- 1
You send your details
On WhatsApp, by the quote form, or over the phone. Rig, haul, authority, and the coverage you want.
- 2
We ask for what's missing
Usually driver details, VINs, and loss runs. Send photos in the same chat; no fax machine needed.
- 3
You get your quote
We go through it line by line. When you're ready, we bind the policy and send your certificate of insurance.
Have these ready
- USDOT and MC number, or the date you applied
- Each driver's name, date of birth, CDL number, and years driving
- Year, make, VIN, and value for each truck and trailer
- Loss runs from your last insurer, if you had one
- What you haul and how far you usually run
Missing something? Send what you have. We’ll quote from there.
Starting your own authority?
The New Authority Checklist lists every number, filing, and insurance step between applying for your USDOT number and hauling your first load. One page, free.
Read it on the siteQuestions drivers ask
Can I get a quote on WhatsApp?
Yes. Tap Chat on WhatsApp anywhere on the site, or fill in the quote form on the contact page. WhatsApp opens a chat with us straight away. Add photos of your documents in the same chat if you have them handy.
Which states do you write in?
Akaal Insurance Agency is licensed in Indiana for property and casualty insurance. If you run out of another state, say so when you message us and we will tell you straight away whether we can help.
How much liability insurance does a trucking company need?
The federal minimum for for-hire carriers of general freight is $750,000. In practice most brokers will not give you a load under $1,000,000. Hazmat carriers need $1,000,000 to $5,000,000 depending on what they haul.
What's the difference between bobtail and non-trucking liability?
Both are for owner-operators leased to a motor carrier. Non-trucking liability covers you whenever you are off dispatch. Bobtail covers you when you drive without a trailer. Your lease agreement usually says which one you need.
Can a new authority get insured?
Yes, though the first years usually cost more because the authority has no history yet. Send us your DOT number and driving experience, and we will tell you what the carriers will ask for.
How does my insurance get filed with the FMCSA?
Once your policy is bound, the insurance company files your proof of liability (BMC-91 or BMC-91X) with the FMCSA electronically. Your authority cannot go active until that filing posts.
Tell us your rig. Get your quote.
Two minutes on your phone at the next stop. A licensed agent picks it up from there.