Truckers & Owner-Operators in SC

Protect your truck, your cargo, and your authority with coverage built for how you run, from single-truck owner-operators to growing fleets.

Guidance Before You Quote

More Options, Better Coverage

Coverage Built Around Your Operation

Here for You When It Matters Most

Keep Your Truck and Your Business Moving

For truckers, staying on the road means protecting your truck, cargo, authority, and income from accidents, damaged freight, inspections, and filing issues. At Omega Insurance, we help owner-operators and fleets across South Carolina find coverage that fits how they operate, including Liability, Physical Damage, Motor Truck Cargo, and the federal filings needed to keep their authority active.

Years of combined experience

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The Risks You Face on the Road

Trucking coverage has to keep up with the realities of how you run, especially situations like these:

Accidents on the Road

A wreck where you’re liable for injuries or damage to others can run into tens of thousands of dollars in claims and legal defense.

Damaged or Lost Cargo

The freight you’re hauling gets damaged, lost, or stolen, and the broker or shipper holds you responsible for its value.

Your Truck Out of Service

A collision, fire, vandalism, or theft sidelines your rig, and every day it isn’t rolling is money you’re not making.

Federal Non-Compliance (FMCSA)

A lapsed or mishandled filing can freeze your operating authority and leave you unable to work legally.

Driving Off-Dispatch (Bobtail)

You drive your truck outside the motor carrier’s authority, and an incident in that window isn’t covered by your primary policy.

Employees and Drivers

If you have hired drivers, a workplace injury without Workers’ Comp can turn into a claim that puts your business at risk.

Coverage for Truckers and Fleets

We bring together, in one place, the coverages a trucker actually needs. Some are the core of trucking insurance; others protect the rest of your business.

Primary Liability

Covers injuries and property damage you cause to others on the road. It’s the coverage the FMCSA requires to keep your authority active.

Physical Damage

Helps repair or replace your truck and trailer after a collision, theft, fire, or vandalism.

Cargo Insurance

Protects the freight you haul if it’s damaged, lost, or stolen, and meets what most brokers and shippers require.

Non-Trucking Liability / Bobtail

Covers you when you’re driving off-dispatch, outside a motor carrier’s authority.

FMCSA Filings

We handle the federal filings tied to your coverage, like the BMC-91, so your operating authority stays in good standing.

Truckers General Liability

Helps protect your trucking operation from certain liability claims that may happen away from the road, such as at loading areas, customer sites, or your business location.

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Why Truckers Choose Omega Insurance

We Handle Your FMCSA Filings.

We take care of the federal paperwork so your authority goes active and stays in good standing.

Carriers That Specialize in Trucking.

We work with carriers that know trucking and offer coverage built for the realities of your operation.

Coverage for Owner-Operators & Fleets.

From a single truck under your own authority to a growing fleet.

Here When It Matters Most.

We walk you through your coverage and stand by you when you need to file a claim.

What our clients say

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Quick & Easy

Get Your Truckers Insurance Quote

We help owner-operators and fleets find trucking coverage that keeps them compliant and protected. We work with carriers that specialize in trucking to match your operation, your freight, and your budget.

Fill in your details and an Omega agent will reach out to review the option that fits your operation best.

Truckers Insurance FAQs

What insurance do I need to activate my operating authority?

To activate your authority, the FMCSA requires Primary Liability at a minimum limit based on your operation, with proof filed on your behalf (like the BMC-91). We handle that filing so your authority goes active.

Do I need Cargo Insurance?

Often, yes. Even when it’s not federally required for your freight, most brokers and shippers won’t load you without it. We’ll help you carry the limit your contracts require.

What’s the difference between Primary and Non-Trucking (Bobtail) Liability?

Primary Liability covers you while you’re working under dispatch. Non-Trucking Liability (bobtail) covers you when you’re driving off-dispatch, outside a carrier’s authority. Which you need depends on how you operate.

How much does Truckers Insurance cost?

It depends on your driving record, equipment, cargo, operating radius, and coverage limits. At Omega, we compare carriers that specialize in trucking to find coverage that fits your budget.

Do you cover both owner-operators and fleets?

Yes. Whether you run a single truck under your own authority, you’re leased to a carrier, or you manage a growing fleet, we build coverage that fits your operation.