Leased Owner Operator Insurance As a motor carrier's leased owner-operator, you're responsible for maintaining the legality and safety of your rig on the road, which requires specific insurance coverage. Leased owner-operators should always carry physical damage insurance. This coverage will pay for the cost of fixing your truck in the event of an accident. If something were to happen to your truck today while driving, this insurance would pay for the repairs so that you could continue driving it tomorrow. https://www.twgtruckinsurance.com/