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It is probably easier to manage a couple of straight trucks vs. tractors but it all depends on how you plan to operate them. I would talk to the carrier that you are leased on with and see what they suggest.

And in the case of a large liability or cargo claim, lawyers could/would then seek damages from the carrier and probably the owner operator as well right? And depending on what ignorance/negligence is determined both could be in a world of hurt.

John, What is the risk to the individual owner operator that is unknowingly (or knowingly) carrying a $1,000,000/$100,000 policy that doesn't trigger in a claim?

We have units in our fleet ranging from around $3500/yr all the way up to nearly $10,000 through CIS (this is just what I have heard from different owner ops). Age, credit rating, and location are the major factors in pricing when it comes to Progressive. I am sure previous claims make a big...