NTL & Physical Damage That Actually Protects Owner-Operators
Specialized Non-Trucking Liability (Bobtail) and Physical Damage coverage from a team that understands owner-operators — fast, affordable protection for your truck and your livelihood.
Start Your Non-Trucking Liability Quote
Answer a few quick questions and a specialist will get you a competitive Bobtail quote — and back on the road fast.
Prefer to talk? Call 531-500-9701
Being off dispatch shouldn't leave you exposed.
Off dispatch? You're on your own.
Your motor carrier's policy drops the second you're not under load. Drive that truck home, run an errand, or deadhead — and a single wreck is 100% on you.
One bad day can take the truck.
A blown tire, a bad lane, someone else's mistake — physical damage to your rig isn't cheap. Without coverage, a repair bill or total loss comes straight out of your pocket.
No coverage, no work.
Most lease agreements require Non-Trucking Liability, and lenders require Physical Damage. Let either lapse and your truck sits parked while the payments keep coming.
The coverages owner-operators actually need
We specialize in the protection that keeps your truck on the road — Non-Trucking Liability and Physical Damage — placed fast and priced for owner-operators.
Non-Trucking Liability (NTL)
Covers third-party bodily injury and property damage when you're driving without a load and off dispatch — the gap your motor carrier's policy leaves wide open.
Physical Damage
Protects your truck and trailer against collision, fire, theft, vandalism, and weather — so a repair or total loss doesn't end your business.
Bobtail Coverage
Protection while you're bobtailing — running the tractor with no trailer attached — and not under dispatch for your motor carrier.
Occupational Accident
Covers medical bills, lost income, and disability if you're hurt on the job — the protection owner-operators don't get from a motor carrier's workers' comp.
Built for Owner-Operators
Affordable monthly rates with no padded packages. We focus on the coverages you actually need — and nothing you don't.
Fast, Same-Day Binding
No waiting around. Most drivers are reviewed, matched, and bound — back on the road in 30 minutes or less.
What's not covered
Straight talk — here's what these policies don't cover, so there are no surprises down the road:
- Liability while you're under dispatch and hauling a load — that's covered by your motor carrier's policy, not NTL.
- Cargo you're hauling — cargo insurance is a separate policy we can point you toward.
- Personal-use vehicles or non-commercial driving.
- Intentional damage, wear and tear, or mechanical breakdown.
Your Truck. Our Protection. Real Results.
OTR Insurance Solutions specializes in Non-Trucking Liability and Physical Damage for owner-operators. We focus on the two coverages that keep you protected and keep your truck on the road — so you get the right protection without the guesswork. Fast placement, competitive rates, and clear guidance from a team that knows trucking, all so you can keep moving with confidence.
Three simple steps to better coverage
Have a Quick Chat
Answer a few quick questions about your truck, your motor carrier, and how you run. It only takes a couple minutes — no paperwork, no runaround.
Review Your Coverage
We shop competitive NTL, Physical Damage, and Bobtail coverage built for owner-operators — so you see real coverage and pricing options laid out clearly.
Get Covered Fast
Bind your policy in minutes and get back on the road in 30 minutes or less — with a team that stays with you for renewals and questions.
Real owner-operators. Real protection.
"OTR made getting my Bobtail coverage painless. I called, explained my situation, and was bound and back on the road in under 30 minutes. The rate beat everything else I'd been quoted."
"My motor carrier required Non-Trucking Liability and OTR walked me through exactly what I needed — no upsell, no fluff. Honest people who actually understand trucking."
"Great service and a great price. They answered every question and got my policy in force the same day. Highly recommend to any owner-operator."