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- Sam C.
Owner Operators with Authority
As a small business owner you are living the American dream of being your own boss and owning a business. As an owner operator with your own operating authority you are required to meet the minimum financial responsibility requirements established by the Federal Motor Carrier Safety Administration and/or your State regulatory agency.
RDR Insurance Services has partnered with truck insurers that offer the required coverage needed to meet these requirements and additional coverages available to help protect your business from financial loss.
Listed below are some of the insurance products available.
Primary Auto Liability
Provides coverage for bodily injury and property damage liability resulting from the use of a covered auto. We offer liability limits that meet and exceed DOT requirements. Flexible payment options available.
Motor Truck Cargo Insurance
Cargo insurance provides legal liability coverage for truckers, whether common or contract, while they are transporting property of others. The policy protects the trucker and the covered property.
Truckers General Liability
Provides bodily injury and property damage liability insurance for claims resulting from premises, operations, and advertising and personal injury liability. For those companies that install or deliver products, coverage for products and completed operations is available. General liability coverage is available on a claims-made or occurrence basis.
Auto Physical Damage
Covers loss or damage to an insured truck caused by collision and other perils on an actual cash value basis subject to various deductible options. GAP and downtime coverage is available. Premium is determined based on the stated amount provided by the insured.
Affordable coverage that provides accidental death and dismemberment, accident medical, and accident disability payments to owner operators injured on the job. Coverage and limits are among the broadest available. Product can be rated to include coverage for casual laborers. This product can be written in conjunction with a workers' compensation component designated to meet the compliance requirements of the contracting trucking company.
Are you required to obtain statutory workers' compensation for your business? Your legal form of ownership affects who is covered by workers' compensation law. In many states, workers' compensation is required for certain types of business. We are familiar with the laws of most states and can assist with your insurance needs.
Life & Health Insurance
PPO medical plans, major medical, short-term health, disability insurance, dental insurance, vision insurance, universal life, cancer insurance and accident only insurance. Most of these products are guarantee issue and available with flexible payment options.
Performance, contract, and highway use tax bonds available.