📍 1204 W William Joel Bryan Pkwy Suite #111, Bryan, TX 77803
📞 979-823-2626 Mon–Fri 8:30AM–6PM | Sat 9AM–3PM 🇲🇽 Hablamos Español
Safenet Insurance Agency – Bryan TX
Safenet Insurance
¡Sí – Yes You're Covered!

Owner Operator Insurance in Texas

Insurance solutions specifically designed for independent owner-operators running under their own authority or leased to a carrier in Texas and across the country.

Our Network of 50+ Insurance Partners
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Insurance for Independent Owner-Operators

As an owner-operator, your truck is your business. Whether you're running under your own MC authority or leased to a carrier, Safenet Insurance Agency can help you get the right coverage to meet FMCSA requirements, satisfy broker requirements, and protect your truck, cargo, and livelihood.

Owner Operator Coverage Options

  • Primary Liability (Required): Covers damages you cause to others. FMCSA requires $750,000 minimum for most carriers.
  • Physical Damage: Collision and comprehensive coverage for your tractor and trailer.
  • Motor Truck Cargo: Covers the freight you haul if it's lost or damaged.
  • Non-Trucking Liability (Bobtail): Covers your truck when driving without a trailer or not under dispatch.
  • General Liability: Covers incidents at pickup/delivery locations not covered by primary liability.
  • Occupational Accident Insurance: Covers you if you're injured on the job.
  • Trailer Interchange: Covers a trailer you're pulling that you don't own.
  • Passenger Accident Coverage

New Authority? We Can Help!

If you just received your MC number, you need insurance before you can start hauling. We understand the urgency and work to get your policy in place quickly so you can get on the road.

FAQ – Owner Operator Insurance

What insurance do I need as an owner-operator in Texas?

At minimum, you need primary liability insurance to meet FMCSA requirements. Most owner-operators also need physical damage to protect their truck and cargo insurance if required by brokers or shippers.

What is bobtail insurance?

Bobtail insurance (non-trucking liability) covers your truck when you're driving without a trailer or when you're not under dispatch. It fills the gap when your motor carrier's liability coverage doesn't apply.

How much does owner-operator insurance cost?

Costs vary significantly based on your experience, driving record, type of cargo, operating radius, and the value of your truck. Contact us for a personalized quote.

Get a Free Quote

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Office Hours

Monday – Friday8:30 AM – 6:00 PM
Saturday9:00 AM – 3:00 PM
SundayClosed
📞 979-823-2626
1204 W William Joel Bryan Pkwy Suite #111, Bryan, TX 77803

🇲🇽 Hablamos Español

Our bilingual staff is ready to help Spanish-speaking clients in Bryan, College Station, and across the Brazos Valley.

¡Sí – Yes You\'re Covered!

Owner Operator Insurance Quote

Get covered quickly. Call our Bryan, TX office – bilingual staff available.

📞 Tap to Call — 979-823-2626