Whether you're just getting your authority or you're a seasoned owner-operator, CAPS Insurance gets you the right coverage at the right price — fast. No runaround, no fluff.
Federal law requires certain coverages before your FMCSA authority activates. We make sure you have everything you need — and nothing you don't.
Federally required for all carriers. Covers bodily injury and property damage you cause to others while operating your truck. The FMCSA requires a minimum of $750,000 for most freight, and up to $5M for hazmat.
Covers the freight you're hauling in case of theft, damage, or loss. Most brokers and shippers require at least $100,000 in cargo coverage before they'll give you a load. Don't leave the yard without it.
Covers your truck and trailer against collision, fire, theft, vandalism, and weather events. If you have a loan or lease on your truck, your lender will require this. Protect your biggest investment on the road.
Since owner-operators are self-employed, you don't qualify for workers' comp. Occupational accident insurance covers medical bills, disability, and lost income if you're injured on the job. Essential for independent drivers.
Also known as "bobtail" insurance. Covers you when you're operating your truck for personal use — not under dispatch. If you're pulling an empty trailer or just driving home, your primary liability won't cover you. This will.
Covers incidents that happen off the road but related to your business — like if a customer is injured at your yard, or property is damaged during loading/unloading. Great for owner-operators who run a full operation.
CAPS Insurance is a proud partner of ProtectYourAssets.pro — your A-Z guide to launching your trucking business right. LLC, DOT, UCR, 2290 and more.
CAPS Insurance was built specifically for the trucking industry. We understand the unique risks owner-operators face, the coverage brokers require, and how to get you compliant fast — without overpaying.
We work with carriers across the country to find you competitive rates on all required and recommended coverages, so you can focus on what matters: keeping your wheels turning and your business growing.
We turn around quotes quickly so you're not sitting idle waiting on paperwork.
We know what FMCSA requires, what brokers demand, and what actually protects you.
Whether you have one truck or a small fleet, we treat every client like a priority.
Fill out the form and we'll reach out with a personalized quote fast. No spam, no pressure — just honest coverage options for your operation.
Already working with ProtectYourAssets.pro to set up your company? Let us know and we'll coordinate everything so your insurance lines up with your authority activation.