Owner-Operator truckers are in high-risk occupational categories. According to the Federal Motor Carrier Safety Administration, these drivers are more likely than other commercial drivers to be involved in crashes, and they are also more likely to be killed or injured on the job.
In order to reduce their risk of injury or death, owner-operators should consider purchasing trucker insurance. One of the best places to find this type of coverage is through an independent insurance agent who specializes in the transportation industry.
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How Can You Find The Right Trucking Coverage for You and Your Business?
If you own and operate your own truck, it's important to find the right health insurance to protect you and your business. Here are a few tips for finding the best coverage for you:
Consider your needs. What type of coverage do you need? Full coverage or just basic health insurance? Do you have workers' compensation coverage? What about auto insurance? All these different types of policies can add up quickly, so it's important to get a good estimate of what you need before shopping around.
Get quotes from several companies. Once you know what you need, shop around for quotes from several different insurers. Don't be afraid to ask for discounts if you commit to a policy with one company. Don't forget to factor in any special discounts offered to owner-operators.
Make sure the policy meets your specific needs. Once you've got a few quotes, make sure each policy meets your specific needs by reading the fine print and asking plenty of questions about each policy. You can get more information about the new policies for your health insurance in a short period.
Make sure the coverage includes everything you need, including ambulance transport and hospital visits outside of normal business hours.