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Allstar Financial Group
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Allstar Financial Group
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Owner Operator Program - Allstar Transportation

As an independent owner-operator, it’s critical that both the driver and equipment are protected—on the job and off-duty. Allstar Financial Group’s Owner Operator Program provides a focused transportation insurance solution for owner-operators and small fleets, combining flexible liability options, physical damage coverages, and responsive claims service.
 

Program Overview

This program is designed to support independent contractors and small fleets from 1 to 1,000 units. Available in all 50 states plus D.C., the offering is scalable and can be placed mono-line or as a package to fill gaps that standard trucking policies may leave — for example, non-trucking liability for drivers leased onto a carrier or additional physical damage protection for owner-operators who need stated amount coverage.
 

Ideal Accounts

This program is a fit for:
  • Independent owner-operators on permanent lease agreements
  • Small to midsize fleets (1–1,000 units)
  • Operators who need flexible options such as non-trucking liability and physical damage on a stated amount basis
Example scenarios you might place: an owner-operator leased to a national carrier who needs non-trucking liability for personal/off-duty use, or a three-truck local fleet that wants to consolidate physical damage and liability coverages with monthly reporting.
 

Coverage Features

NON-TRUCKING LIABILITY
- Limits up to $1,000,000 CSL
- Standard ISO Business Auto form with CA23099 endorsement
- Monthly reporting available for flexible exposure handling
- Can be written mono-line or packaged with other lines
- Underwriting focused on customer service and fast placement
PHYSICAL DAMAGE
- Limits up to $250,000 per unit (stated amount)
- Deductibles up to $25,000
- Optional enhancements available, including:
• Downtime coverage
• Tarps, chains and binders
• Personal effects
• Single deductible option
• Lease/finance gap coverage
CLAIMS HANDLING
- Managed by Allstar’s in-house TPA, National Claim Services
- Nationwide adjustor network and 24/7 claims hotline
- Fast-track handling for drivable physical damage claims
- Nationwide glass repair program to reduce downtime
 

Underwriting and Premiums

Minimum premiums vary by coverage, number of units and state. Monthly reporting options let you scale exposure and premiums as your client grows. The program will consider mono-line placements or bundled programs that include Occupational Accident and Physical Damage where appropriate.
 

Territories and Markets

Allstar’s Owner Operator Program is available in all 50 states and the District of Columbia. The program accesses multiple carriers across admitted and non-admitted platforms to give you flexible placement options.
 

Why Work With Allstar Financial Group

Allstar Financial Group is a Managing General Agency and Excess & Surplus Lines broker with deep transportation expertise. You’ll benefit from responsive underwriting, program flexibility, and efficient claims handling through an in-house TPA. These capabilities help you retain clients and place hard-to-write owner-operator and small fleet risks more competitively.

Frequently Asked Questions

What types of accounts are a good fit for this program?

The program targets independent owner-operators and small fleets (1–1,000 units). It’s particularly useful for drivers leased to carriers who require non-trucking liability or owners who want stated amount physical damage coverage.

Can this program be written on a mono-line basis?

Yes. Coverages can be written mono-line or bundled with other lines such as Occupational Accident and Physical Damage, depending on the client’s needs.

Is this program available in all states?

Yes. The Owner Operator Program is available in all 50 states and the District of Columbia.

Who handles the claims for this program?

Claims are managed by Allstar’s in-house TPA, National Claim Services, which provides 24/7 support and access to a nationwide adjustor network.

What coverage limits are available for Non-Trucking Liability?

Non-Trucking Liability limits are available up to $1,000,000 Combined Single Limit (CSL).

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Agency and Excess & Surplus Lines Broker
  • Admitted:
    All Available Markets
  • Carriers:
  • Carrier Ratings:
    A
  • Commission:
    Varies
  • Min Premium:
    Varies

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CONTACT INFORMATION

LOCATION

365 Northridge Rd., 400
Atlanta, GA 30350
800-424-0132
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Allstar Financial Group has other insurance programs like Apartment/Condo Insurance.