Owner Operator Coverage For Independent & Leased Drivers
Owner-operators in Melbourne face two very different insurance situations depending on how they run. If you're leased onto a carrier, the carrier's policy usually covers primary liability while you're under dispatch — but you still need bobtail (non-trucking liability) and physical damage on your tractor. If you're independent with your own MC, you need the full stack: primary liability, cargo, physical damage, and FMCSA filings.
We write both. Most of our Brevard County owner-operator clients started leased onto a carrier and transitioned to their own authority — and we structure the policy moves so they don't overpay during the transition.
100+ active
Owner-operators we cover
From $400/yr
Bobtail / NTL
Full stack
Independent w/ MC
Most cases
Same-day binding
What We Cover Locally
Primary Auto Liability (Independent)
$1M CSL with BMC-91 filing for owner-operators running their own MC authority.
Bobtail / Non-Trucking Liability
For leased owner-operators — covers you when running without a load, off-dispatch, or moving the truck personally.
Physical Damage
Tractor coverage independent of the carrier's policy — protects your equipment whether under load or not.
Built For The Way You Actually Operate
- Leased-on owner-operators
- Independent owner-operators (own MC)
- Transition from leased to own authority
- Bobtail / non-trucking liability
- Physical damage on your tractor
- Occupational accident (alternative to WC)
- FMCSA filings & UCR/IRP help
- Same-day Certificates of Insurance
Speak With Mariana Zorrilla
Commercial Insurance Advisor · Garzor Insurance
Mariana understands the unique challenges facing trucking companies, fleet operators, and transportation businesses on Florida's Space Coast. With personalized guidance and years of experience, she'll help you find the right coverage at the right price.
Get Your Owner Operator Quote
Tell us about your operation and we'll build coverage that fits.
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