Get Physical Damage insurance to protect your truck. The motor carrier usually provides primary liability, but as an owner operator, you may need physical damage to protect your truck against theft, fire, overturn, and other unforeseen circumstances. Your motor carrier may also require that you carry non trucking liability. Please check your contract with the motor carrier to determine if you need non trucking or bobtail insurance. We can give you a quick quote on any trucking coverage you need.