As an owner-operator, you'll need several types of truck insurance. Liability insurance is required by law and covers damage to others. Cargo insurance protects the goods you're hauling, while physical damage insurance covers your truck in accidents or theft. Comprehensive insurance covers non-collision damage like vandalism or fire. Motor truck cargo insurance protects your cargo, and uninsured/underinsured motorist insurance covers damages from underinsured drivers. If you have employees, workers' compensation is also required. The right coverage depends on your specific needs and budget.

I'm an owner-operator and I'm trying to figure out what types of truck insurance coverage I need. What are the different options available, and how do they work? I know there's basic liability, but I'm not sure about things like cargo insurance, physical damage coverage, or any other types that might be important for someone in my position. Can anyone break it down for me?