OWNER OPERATOR
Choice Coverage® Plus
Breakdown & Equipment Protection
Choice Coverage® Plus provides motor carriers and owner operators a bundle of coverages to shield your trucking business from the expense of breakdown and equipment loss.
Roadside breakdown is costly. From towing to emergency expenses, your out-of-pocket costs can add up quickly. Towing your truck can be one of the biggest expenses, topping thousands of dollars per tow.
That’s where Great West’s Choice Coverage® Plus can help. It’s a bundle of endorsements that protects your trucking business from the financial hit of multiple expenses when you experience a breakdown or an equipment loss.
In addition to breakdowns, the coverage also extends your equipment protection against fire and theft.
Why Owner Operators Need Breakdown & Equipment Coverage
Motor carriers and owner operators should consider Choice Coverage® Plus for each of their trucks. On average, fleets experience roadside breakdowns about every 34,000 miles, according to a 2020 TMC/Fleetnet survey. This bundled coverage can help you feel confident knowing breakdown and equipment loss expenses are covered when they occur.
How much does the bundle cost?
For $20 each month per power unit, Choice Coverage® Plus covers the cost of towing and housing your truck as well as emergency expenses, equipment costs, and personal property.
Get deductible reductions for safe operations.
As an added bonus, Great West rewards motor carriers who run a safe company. Choice Coverage® Plus coverage reduces your deductible for each year you are loss free, up to $1,000!
What's included in Choice Coverage® Plus?

Electronic Equipment Coverage**
Coverage includes the electronic equipment physically located inside or attached to a covered auto. Coverage is limited to a maximum of $2,500 per loss, less a deductible of $250.
Electronic Equipment Coverage**
Coverage includes the electronic equipment physically located inside or attached to a covered auto. Coverage is limited to a maximum of $2,500 per loss, less a deductible of $250.

Miscellaneous Equipment Coverage**
Covers, binders, tarps, tie-downs, chains, and other equipment used to secure cargo on trailers not owned by you. Limit: $500 per loss with a $100 deductible
Miscellaneous Equipment Coverage**
Covers, binders, tarps, tie-downs, chains, and other equipment used to secure cargo on trailers not owned by you. Limit: $500 per loss with a $100 deductible

Pet Coverage
Provides $1,500 of coverage if a dog or cat is injured or passes away due to a covered loss.
Pet Coverage
Provides $1,500 of coverage if a dog or cat is injured or passes away due to a covered loss.

Rental Reimbursement Coverage
Covers the cost of renting replacement tractors, trucks, and trailers when a covered breakdown occurs. Limits: $200 per day; $1,000 maximum
Rental Reimbursement Coverage
Covers the cost of renting replacement tractors, trucks, and trailers when a covered breakdown occurs. Limits: $200 per day; $1,000 maximum

Personal Property Coverage**
Coverage includes loss to personal property owned by you and physically located inside a covered auto. Coverage is limited to a per-loss maximum of $2,500 and a deductible of $250. Certain losses are not covered
Personal Property Coverage**
Coverage includes loss to personal property owned by you and physically located inside a covered auto. Coverage is limited to a per-loss maximum of $2,500 and a deductible of $250. Certain losses are not covered

Mechanical Breakdown Coverage-Towing*
Covers towing and/or roadside labor to a covered truck that is disabled due to mechanical breakdown. Limit: $5,000 for towing to any facility you choose. $500 less the deductible for any labor performed on a truck at the place of disablement
Mechanical Breakdown Coverage-Towing*
Covers towing and/or roadside labor to a covered truck that is disabled due to mechanical breakdown. Limit: $5,000 for towing to any facility you choose. $500 less the deductible for any labor performed on a truck at the place of disablement

Emergency Expenses Coverage
Covers emergency expenses related to a mechanical breakdown, including lodging, meals, vehicle rental, etc.. Limits: $100 per day; $500 maximum
Emergency Expenses Coverage
Covers emergency expenses related to a mechanical breakdown, including lodging, meals, vehicle rental, etc.. Limits: $100 per day; $500 maximum
*The Mechanical Breakdown coverage is subject to a per-loss deductible of $250.
**Coverage is excess over any other insurance coverage available for the same loss.
How Our Diminishing Deductible Works
For each consecutive annual policy period that your trucking business doesn’t have a paid comprehensive, specified perils, collision, or cargo loss under any Great West policy, you can reduce your deductible, up to $1,000.
Deductible Reductions
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Insurance Contracts are Underwritten, Administered, and Issued by: Great West Casualty Company, Old Republic Life Insurance Company, and Old Republic Union Insurance Company.
One or more Old Republic companies may provide the products and/or services described. Information presented is for illustrative purposes only and does not constitute a contract or advice, including employment advice or advice to motor carriers. Please refer to the relevant insurance policy for actual terms. Products and services may not be available in all states and may be subject to change without notice. © 2026 Old Republic International Corporation. Old Republic® and the Old Republic Circle of Stars monogram are registered trademarks. All Rights Reserved.