The Best Non-Trucking Liability Insurance Agencies of 2026

From May through July 2026, our research team evaluated 40+ insurance agencies offering non-trucking liability (NTL) coverage to leased owner operators across the United States. We focused exclusively on independent agencies. These businesses represent multiple carriers and act as an intermediary between owner operators and the insurers that underwrite coverage. We pulled data from agency websites, carrier filings, industry publications, and direct outreach to agency representatives. Each agency was scored using a six-factor algorithm:

• Trucking Specialization (25%): Agencies that work exclusively in trucking understand NTL coverage triggers, lease agreement gaps, and dispatch status nuances far better than general commercial agencies.
• Carrier Access (20%): More carriers means more competing NTL quotes and better terms for leased owner operators who may have limited options based on driving history or operating profile.
• Account Service and Response Time (20%): Leased owner operators need responsive agents who can explain coverage gaps clearly and stay reachable beyond the initial sale.
• Quote Turnaround Speed (15%): A slow NTL quote delays coverage and keeps a truck parked. Faster quote and bind turnaround is a meaningful differentiator.
• Average Review Score (10%): Third-party client ratings signal how an agency actually treats clients after the policy is written.
• State Licensing and Geographic Reach (10%): The agency must be licensed in the states where the owner operator operates.

We rank-ordered every agency in our dataset using this algorithm. The table below presents the top six performers, followed by in-depth reviews of each.

The Best Non-Trucking Liability Insurance Agencies of 2026

† Insure My Rig and Commercial Insurance Solutions do not maintain widely aggregated public review scores on major third-party platforms. Both agencies serve owner operators across the United States and have built their reputations on long-term client relationships in the trucking industry.

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1. Truck Writers, for Multi-Carrier NTL Coverage and Dedicated Account Service

Founded in Blaine, Minnesota in 1983, Truck Writers is a family-owned independent insurance agency with over four decades of experience in commercial trucking insurance. The agency works exclusively in trucking. Every agent, account manager, and support staff member focuses on commercial trucking operations and nothing else. That specialization matters for NTL coverage specifically: agents who understand lease agreements, dispatch triggers, and motor carrier policy structures can explain exactly where a leased owner operator’s coverage gap begins and what NTL needs to cover.

Leased owner operators receive a dedicated account team, same-day COI turnaround, and a quote window of 24 to 48 hours. Because Truck Writers represents multiple insurance carriers rather than a single market, leased OOs receive competing rates rather than a single take-it-or-leave-it price. Coverage lines include non-trucking liability, bobtail insurance, physical damage, motor truck cargo, occupational accident, and auto liability for own-authority operators. The agency holds licenses in 38 states and has built its entire 43-year track record within commercial trucking, with no general commercial lines business competing for staff time or attention.

Location: Blaine, MN (additional office in Welcome, MN) 

Year Founded: 1983 

Average Review Score: 4.5/5.0 

Services Offered: Non-trucking liability, bobtail insurance, auto liability, physical damage, motor truck cargo, workers’ compensation, occupational accident, freight broker insurance, per trip excess, captive programs

Summary of Online Reviews Clients frequently highlight dedicated account teams, competitive rates from multiple carriers, and fast COI turnaround. Leased owner operators specifically note that agents understand the coverage gap between the motor carrier’s policy and personal use of the truck.

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2. Insure My Rig, for Long-Standing Owner Operator NTL Expertise

Insure My Rig has specialized in owner operator trucking insurance for more than 80 years, making it one of the oldest agencies on this list and one of the few that has operated as a multi-generational family business. Now in its third generation of family ownership, the agency staffs 25 full-time insurance advisors focused entirely on owner operator and commercial trucking coverage. The agency describes itself as the internet’s leading agency for owner operator coverage, and its dedicated NTL page reflects a clear understanding of how non-trucking liability works within the context of a motor carrier lease agreement.

Leased owner operators can request NTL quotes by phone, email, or online, giving them flexibility in how they interact with the agency depending on their schedule and preference. The agency accesses multiple carriers with OO-specialist relationships, which is particularly valuable for leased operators who may have limited history or who are transitioning from one carrier to another. Insure My Rig does not maintain a widely aggregated public review score on major platforms, which is common among agencies that have operated primarily through word-of-mouth and referral networks over many decades. Client testimonials on the agency’s website reflect consistent satisfaction with responsiveness and coverage knowledge.

Location: National (online and phone-based) 

Year Founded: ~1946 (80+ years) 

Average Review Score: N/A (no public aggregate available) 

Services Offered: Non-trucking liability, bobtail insurance, auto liability, physical damage, motor truck cargo, occupational accident, general liability

Summary of Online Reviews Insure My Rig does not maintain a widely aggregated public review presence. Client testimonials on the agency’s website highlight affordable quotes, knowledgeable advisors, and fast service from agents who understand owner operator coverage specifically.

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3. Western Truck Insurance Services, for Established Multi-Carrier NTL Access

Western Truck Insurance Services has operated as a commercial trucking insurance agency since 1954, building a 72-year track record focused entirely on trucking. Based in El Segundo, California, the agency serves owner operators and fleets across the United States as a true independent. It represents multiple carriers rather than routing clients to a single market. The agency holds a 4.8/5.0 Google rating, the highest verified public review score of any agency on this list, reflecting a consistent record of responsive service and accurate coverage placement across a large and diverse trucking client base.

Non-trucking liability coverage is a standard product for the agency, available as a standalone endorsement or as part of a broader owner operator package. Clients working with Western Truck benefit from agents who have handled trucking coverage for decades and understand the nuances between bobtail and NTL, the role of the motor carrier’s policy, and how to structure coverage so there are no gaps between personal use and dispatch-related movements. For leased owner operators on the West Coast or running national routes who want a long-standing agency with strong carrier relationships, Western Truck Insurance Services is one of the most established options available.

Location: El Segundo, CA 

Year Founded: 1954 

Average Review Score: 4.8/5.0 

Services Offered: Non-trucking liability, bobtail insurance, auto liability, physical damage, motor truck cargo, general liability, occupational accident

Summary of Online Reviews Clients consistently highlight knowledgeable agents, competitive pricing across multiple carriers, and a long-term advisory relationship that keeps them covered accurately at every renewal.

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4. Trucking Insurance Services, for Fast Turnaround and Founder-Led Expertise

Trucking Insurance Services was founded in 2007 in Cumming, Georgia by a former fleet owner who built the agency around a simple principle: truckers deserve an agent who has actually run a truck. That founder-led perspective shows up in the agency’s model. All clients work with the same agent at every renewal rather than being rotated through a general call center, and certificates of insurance are turned around in five minutes or less, one of the fastest COI commitments of any agency on this list. The agency is 100% focused on commercial trucking and operates as a true independent, representing multiple carriers to shop coverage rather than placing accounts with a single market.

Non-trucking liability is a core product for the agency, as is bobtail insurance and the full owner operator coverage stack. The agency holds a 4.8/5.0 rating across verified client reviews, with reviewers frequently pointing to the direct agent relationship and the agency’s deep knowledge of trucking-specific coverage as the primary reasons for their loyalty. For leased owner operators who want fast turnaround, a consistent point of contact, and an agent who understands the industry from the driver’s seat as well as the office, Trucking Insurance Services is a strong fit.

Location: Cumming, GA 

Year Founded: 2007 

Average Review Score: 4.8/5.0 

Services Offered: Non-trucking liability, bobtail insurance, auto liability, physical damage, motor truck cargo, general liability, occupational accident

Summary of Online Reviews Clients frequently cite the same-agent-every-renewal model, fast COI turnaround, and the agency’s trucking-specific knowledge as the reasons they stay at renewal year after year.

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5. PECO Insurance, for Online-First NTL Access and Competitive Pricing

PECO Insurance was founded in 2011 and operates as an online-first trucking insurance agency serving owner operators and small fleets from offices in Charlotte, North Carolina and Miami, Florida. The agency specializes in commercial trucking coverage and offers non-trucking liability and bobtail insurance as part of its core owner operator product lineup. Its online platform allows leased owner operators to start the quoting process at any time without needing to wait for business hours, and its direct agent access ensures that coverage questions and policy changes are handled by a live person rather than an automated system.

PECO Insurance holds a 4.6/5.0 client rating across verified reviews and serves owner operators across the United States. The agency’s bilingual capabilities are a notable differentiator for Spanish-speaking leased operators, a significant portion of the independent trucking workforce. For leased owner operators who prefer a digital-first quoting experience with real agent backup, PECO Insurance offers a strong combination of accessibility and trucking-specific knowledge.

Location: Charlotte, NC and Miami, FL 

Year Founded: 2011 

Average Review Score: 4.6/5.0 

Services Offered: Non-trucking liability, bobtail insurance, auto liability, physical damage, motor truck cargo, general liability, occupational accident

Summary of Online Reviews Clients highlight fast online quotes, bilingual agent support, and competitive pricing across multiple carriers. Some reviewers note that complex coverage questions are better handled through a direct agent call than through the online platform.

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6. Commercial Insurance Solutions, for OO and Small Fleet NTL Programs

Commercial Insurance Solutions was founded in 2003 in Dallas, Texas and has built a 23-year track record focused on owner operators and small motor carriers. The agency operates as a true independent, representing multiple carriers to shop NTL and bobtail coverage across the market rather than routing clients to a single insurer. Its product focus on owner operators and small fleets means agents are familiar with the coverage questions leased operators ask most often: what triggers NTL, how it interacts with the motor carrier’s policy, and how to make sure there are no gaps between personal use and work-related movements.

Commercial Insurance Solutions serves trucking businesses across the United States with a customer service model centered on accessibility and straightforward advice. The agency does not maintain a widely aggregated public review score on major third-party platforms, which is common among smaller regional agencies that have grown through direct referrals. For leased owner operators based in Texas or running Midwest and Southern routes who want a long-standing OO-focused agency with competitive NTL pricing, Commercial Insurance Solutions is worth evaluating.

Location: Dallas, TX 

Year Founded: 2003 

Average Review Score: N/A (no public aggregate available) 

Services Offered: Non-trucking liability, bobtail insurance, auto liability, physical damage, motor truck cargo, hot shot coverage, general liability

Summary of Online Reviews Commercial Insurance Solutions does not maintain a widely aggregated public review presence. Client feedback on the agency’s website reflects satisfaction with pricing, responsiveness, and the agency’s focus on owner operator and small fleet accounts.

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The Best Non-Trucking Liability Insurance Agencies in the US by Specialty

We also broke down the top NTL insurance agencies into three subcategories based on the type of leased owner operator they serve best.

The Best NTL Insurance Agencies for New Authority and New Venture Truckers

1. Truck Writers
2. Trucking Insurance Services
3. PECO Insurance
4. Western Truck Insurance Services
5. Insure My Rig

The Best NTL Insurance Agencies for Long-Haul Leased Owner Operators

1. Truck Writers
2. Insure My Rig
3. Western Truck Insurance Services
4. Trucking Insurance Services
5. Commercial Insurance Solutions

The Best NTL Insurance Agencies for Owner Operators Needing Both NTL and Bobtail

1. Truck Writers
2. Western Truck Insurance Services
3. Insure My Rig
4. Trucking Insurance Services
5. PECO Insurance

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Conclusion

Non-trucking liability is a small but important coverage for leased owner operators. The right agency is one that understands how NTL fits into the broader context of a lease agreement, knows the difference between personal use and dispatch coverage, and can place the policy quickly without creating gaps in your overall program.

Truck Writers ranked first because of what it combines: 43 years of exclusive trucking focus, a dedicated account team for every leased owner operator, multi-carrier access that keeps NTL pricing competitive, and agents who understand the specific coverage triggers that matter most to drivers working under a motor carrier’s authority.

Get a Non-Trucking Liability Quote from Truck Writers