Always get owner operator insurance from a company that specializes in truck insurance because there are a number of companies that provide owner operator insurance, but each of them can differ from the other in a lot of respects.
Some companies might focus more on commercial trucks and owners of large fleets in the trucking business. Some companies might cater to the needs of smaller owner-operators.
So you need to find a company that provides the right kind of owner operator insurance for truck drivers for your specific requirement.
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You can choose a company for car insurance based on the following criteria. Check to see the number of years the company has been in the insurance business and specifically dealing with truck insurance.
Some companies might have been dealing with other vehicles and only recently included truck insurance in their repertoire.
Avoid such companies and go in for companies that have been specified in the truck insurance business for a number of years. Next, check the financial strength of the owner-operator insurance company to see if they would be able to settle claims for a number of cases at the same time.
In time of natural calamities when a number of trucks insured under them file for claims, they need to have sufficient reserves to pay all the claims. You need to look for a financially strong company that can handle such contingencies.