Owner Operator Insurance Programs

Gallagher Transportation Services has designed the following insurance programs specifically for Landstar Owner Operators.

Unladen Liability Coverage Cost = $19.45 per week

Unladen provides third-party liability insurance coverage for bodily injury and property damage caused by an accident when you are not hauling a load.

Liability Coverage includes:

  • $1,000,000 combined single limit bodily injury and property damage
  • Uninsured motorist – statutory for state residency
  • PIP – Basic (in applicable states)

Physical Damage Insurance:

Physical damage provides coverage in the event of direct damage to insured tractors and trailers that results from covered losses. Losses are adjusted on a stated amount or actual cash value basis, whichever is less.

Coverage includes:

  • $500, $1000, and $2500 deductibles available
  • Single deductible for tractor and trailer per incident
  • No deductible for windshield glass breakage
  • Haul-back up to $1500
  • Enhancement Package (optional)
  • GAP Coverage (optional)

Contractor Protection Plan (CPP) Cost = $31.38 per week (1,000,000) or $35.38 per week (2,000,000)

Occupational Accident Coverage with limits ranging from $1,000,000 to $2,000,000 for a single owner operator/independent contractor.

Coverage includes:

  • Occupational accident
  • Non-occupational accident
  • Death benefits
  • Medical benefits
  • Disability benefits
  • Passenger coverage

BCO Fleet Workman Compensation Plan (FWCP) Cost varies

Plans available for fleets of two or more employee drivers.

Unladen Liability and Occupational Accident coverage or, in some cases, statutory Workers’ Compensation coverage are mandatory under a haulage contract.

If you choose to not participate in the Unladen Liability and/or CPP (Occupational Accident insurance) programs, you will need to show comparable Unladen Liability insurance policy and/or Occupational Accident coverage through an acceptable insurance carrier.

If statutory Workers’ Compensation coverage is required and you choose to not participate in the FWCP program, coverage will need to be provided by a licensed carrier with acceptable interstate coverage.

If you have more questions or require further information, you can reach us at 1-800-872-9104 or fax at 1- 904-390-4794.

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