As an owner-operator, you face a lot of concerns more than the standard driver who works for a trucking company. Insurance is one of the biggest concerns you will face. Here is a look at some of the things you should be looking for in a good semi truck insurance policy as an owner-operator truck driver. 

Look for a plan that offers expanded refrigeration insurance coverage. 

Expanded refrigeration insurance coverage will cover your losses if something happens and a refrigerated trailer fails, causing you to lose a load due to spoiling. It is a common misconception that the shipper of refrigerated merchandise must have their own insurance to cover losses during transit. However, if it is your own faulty equipment that causes the loss, you will be expected to cover the loss. 

Find a policy that has high catastrophic limits. 

Catastrophic insurance coverage will protect you in the event that a major accident happens and you are held liable for the injuries and losses faced by another driver. Lawsuits against truck drivers after an accident are common, and as an owner-operator, it becomes your direct responsibility to carry the proper level of insurance to protect yourself if something happens. 

Make sure the policy has tow coverage included. 

You can have the best rig in the world and still run into an occasional breakdown. Towing a semi is not cheap; you can pay several thousand dollars for one haul after a breakdown or an accident. Your towing insurance inclusion can save you a lot of money that would otherwise eat up your profits if the unexpected does happen. 

Look for semi insurance that offers reloading expense coverage. 

Reloading expense coverage helps to reimburse you if you have to pay costs during reloading. For example, if you get to a place to pick up a load and you have to pay people to load or help you load, this form of insurance will help you pay for those expenses. 

Pick up bobtail insurance coverage. 

Driving bobtail refers to driving without a trailer, but bobtail insurance is all about covering you if you are driving bobtail in someone else's truck who has their own liability coverage. Their coverage will not cover you if you are in an accident as the driver. Even though there may be only rare instances when this insurance is required, it is nice to know you are covered when the opportunity comes up.