As an owner-operator, your rig isn't just a truck; it's your entire business and livelihood. One serious accident without the right insurance can wipe out years of hard work. This no-nonsense guide cuts through the confusing jargon, breaking down the 6 absolutely essential insurance coverages every independent trucker needs to stay protected. From the non-negotiable Primary Auto Liability and Physical Damage to crucial safeguards like Cargo, Non-Trucking Liability, and General Liability, we’ll show you exactly what each policy does and why it’s critical for shielding your assets, your freight, and your future. Don't leave your business vulnerable—get this checklist and drive with true peace of mind.