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VOLUNTEER TRUCK INSURANCE
☎ (615) 502-2400

Commercial Truck Insurance for Owner-Operators

Liability, cargo, and physical damage. Bobtail and non-trucking liability. Real quotes from top carriers, without the runaround.

Serving owner-operators and small fleets across Tennessee

Coverage That Actually Covers You

Five coverages every trucker should understand. Most agents never bother to explain them. We will.

Auto Liability

The coverage the FMCSA requires. Protects you when you are at fault in an accident. This is the foundation everything else sits on.

Cargo Coverage

Covers the freight you are hauling if it is damaged, lost, or stolen. Your shipper expects you to carry it. We make sure the limits match the contract.

Physical Damage

Repairs or replaces your truck after a collision, fire, theft, or storm. With parts and labor costs climbing, this is the coverage most likely to be underinsured right now.

Bobtail Insurance

Covers your tractor when you are driving without a trailer and not under dispatch. Your motor carrier's policy does not cover this. Many drivers learn that the hard way.

Non-Trucking Liability

Covers personal use of your truck when you are off dispatch. Different situation from bobtail, different coverage. We will make sure you have the right one.

Get Your Quote

Five questions. Five minutes. Real numbers from a real agent.

Prefer to talk? Call or text (615) 502-2400.

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Quotes From Top-Rated Carriers

We shop multiple carriers so you do not have to.

ProgressiveGEICOBerkshire HathawayNational General

Your Truck Is Your Business. Protect It Right.

One call. Real numbers. No runaround.

Call (615) 502-2400