By Road Ready Insurance

Starting your journey as an owner-operator? First off, congrats! You’re stepping into an exciting, rewarding, and fast-moving world. But let’s be real: one of the trickiest parts is getting your insurance game on point. You need an insurance checklist.

At Road Ready Insurance, we help truckers just like you every day, making sure you’re protected on (and off) the road. Here’s our simple checklist to help you hit the ground running:

✅ 1. Primary Liability

This is required by law. It covers injuries or damages you may cause while operating your truck. Most brokers prefer $1M in coverage.

✅ 2. Physical Damage

Covers YOUR truck and trailer against theft, fire, accidents, and more. If you’re financing through NEF – National Equipment Finance, this is typically a must-have.

✅ 3. Motor Truck Cargo

Protect the load you’re hauling. Usually, your standard coverage is $100K, but it can be adjusted based on your freight.

✅ 4. Non-Trucking Liability (Bobtail)

Driving without an active load? Unfortunately, you’re still at risk. This coverage protects your truck when it’s not under dispatch.

✅ 5. Occupational Accident

Independent owner-operators need protection too! Covers medical expenses and lost income after a work-related injury.

✅ 6. General Liability

You’re covered during drop-offs, loading/unloading, or even truck stop incidents. Accidents don’t just happen on the road!

✅ 7. Reefer Breakdown (If applicable)

Hauling temperature-sensitive freight? This is key in case your reefer unit fails.

Whether you’re just starting out or scaling your fleet, Road Ready Insurance has your back. Our insurance checklist can help you find the right path toward proper coverage. We’re the in-house insurance division of Nationwide Haul—one of the fastest-growing equipment sales companies in the country. That means we understand your full business journey—from buying your truck with NEF financing to protecting your equipment on the road.

Let’s Get You Covered.

Want a free policy review or quote?
Visit RoadReadyInsurance.com or give us a call at +1 (954) 698-2662
Our team is ready to help you hit the road with confidence.

🔗 Looking for your first truck or trailer?
 Explore our inventory at Nationwide Haul — quality equipment, competitive pricing, and expert support from day one.

🔗 Need financing you can count on?
 Get started with NEF – National Equipment Finance, our trusted partner in helping owner-operators like you secure the right equipment with flexible financing options.

Stay safe out there,
Road Ready Insurance