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Choice One Insurance, Inc

9111 SE St Helens St
Clackamas, OR 97015

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Owner-Operator Protector in Oregon

“If You Got It, a Truck Brought It”. Simple words don’t necessarily mean it’s that simple to be an owner-operator trucker. You love life on the road, and you love your steel-n-rubber partner. Together you are a team with near 500-HP under the hood. You rely one on another, you care one about another, and you handle the toughest job cutting through any weather conditions so the rest of the world can enjoy everything they’ve got around them. Thank you!

While some Motor Carriers offer decent options to protect your truck, your trailer, and the main part of your rig – You – often, the choices are limited down to none. You don’t get to pick an insurance company, or deductible, or what’s included in your “package”, or your insurance advisor; and many value-added features are not even there. Every deduction from your settlement check came at the “average” cost that you did not get to vote for. While you are grateful to your Motor Carrier for their trouble of getting you covered, you have to know that you have options. You just need to start seeing yourself as a business and get a grip on your own protection.

The benefits of our Owner-Operator Protector is in the good amount of attention we give you when reviewing your equipment, what you do, and how you contract with your Motor Carrier. Do you realize that most smaller fleets use the “copy-paste” method to create their contracts with owner-operators instead of having a true transportation lawyer draft it to be suitable for your state and county?

What about your personal belongings? Will your current Motor Carrier-provided policy cover thousands in loss of your effects or the policy covers repairs only and not towing, downtime, or driver’s belongings? And deductibles… How many times we saw deductibles of $5,000 and higher and every time you need to file a claim you have to face the opposition because, understandably, they want to keep their loss history clean.

Equipment and personal property aside, how will your medical expenses and lost earnings be covered if you or your co-driver get injured? Due to independent contractor status, the owner-operator is not entitled to compensation from the Motor Carrier’s Workers Compensation policy, so, who is going to supply food to your table and pay your medical bills while you cannot work?

But don’t worry – you have options. Let us help you make an informed decision in creating your tailored protection plan.

Learn about our Motor Carrier Defender program if you plan to get your own hauling authority or review information about protecting your Family.

To initiate a conversation and request a consultation, please click here.

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