OWNER OPERATOR
Equipment Coverage
Insure Your Trucking Equipment & Electronics
As an owner-operator, you probably know better than anyone how much thought (and money) goes into the equipment you need to run your trucking operation. That makes it all the more important to protect your investment.
From electronics in your cab and sleeper berth to tie-downs and tarps that protect your cargo on a flatbed, equipment replacement costs can really add up after an accident.
That’s why Great West has created owner-operator policies for miscellaneous equipment and electronic equipment that are not covered by a standard Physical Damage policy.
Great West’s Equipment coverage can help you replace the equipment and electronics you rely on so you can get back on the road.
What does Equipment Coverage include?
Miscellaneous Equipment Coverage
Do you have binders, tarps, tie-downs, chains, and other equipment you use to secure cargo on non-owned trailers?
This equipment is normally covered under the trailer’s Physical Damage policy when you own the trailer. But, when you use your equipment on a trailer you don’t own, you need to protect your investment with your own policy.
Great West’s Miscellaneous Equipment coverage is a simple — yet often overlooked — policy that provides full comprehensive and collision protection for your equipment. It has a $100 deductible, regardless of any other tractor deductible.
We find owner-operators that use flatbeds or specialized equipment have the greatest need for this coverage, although there may be other situations where it may be appropriate, such as when you’re using a carrier’s or customer’s trailer.
Electronic Equipment Coverage
Physical Damage policies do not cover most electronic equipment unless it was factory installed at the time of assembly.
That’s why Great West offers Electronic Equipment coverage when you want to modify your truck’s Physical Damage coverage to include certain electronic equipment items that are not automatically protected by your policy.
The electronic equipment must be permanently installed to be covered. These items can include computer systems, electronic logging devices (ELDs), satellite communication or tracking systems, video camera monitoring systems, collision prevention systems, two-way mobile radios, or scanning monitor receivers, among others.
Electronic Equipment coverage has a straightforward $250 deductible per loss, and no other policy deductibles apply.
Choice Coverage® Plus Package
Great West offers a bundle of trucking insurance endorsements geared to protect owner-operators. Our Choice Coverage® Plus package includes both Miscellaneous Equipment coverage and Electronic Equipment coverage as well as towing, rental reimbursement, and more.
Stay Up to Date
Preserving the Crash Scene
CVSA’s 2026 Roadcheck, Focused on ELD Tampering & Cargo Securement, is May 12-14
Protecting Your Investment: Why Comprehensive Commercial Truck Insurance Is Vital
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.