5.0out of 5 starsOpen since April 2026
Owner Operator Insurance In British Columbia
Owner Operator Insurance for BC Drivers
Get A Free Quote- 25+ Years Experience
- 95% Client Retention
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As an owner operator, you own your truck and you drive it. Many owner operators haul for load programs that offer loads through an app, often moving trailers between warehouses and sorting centres. This part of the trip is called the middle mile. Before a program gives you your first load, it checks that your insurance meets its minimums.
InsureLine Alder works with owner operators from our office at 3238 King George Blvd in Surrey. Managing Directors Gurtaj Bahad (CIP, CAIB) and Michael Puni bring over 25 years of combined experience, including a cargo insurance book of more than $5,000,000 in premiums. We put together coverage for your truck, the trailer you pull and the load inside it.
We compare quotes from several insurers and explain each one in plain English. If you have a claim, we work with the insurer for you, so you can get back on the road sooner.
Coverage For BC Owner Operators
What's Covered
Here is what each part of an owner operator's policy pays for. We set each amount to meet what your load program asks for.
Auto Liability
Pays when your truck injures someone or damages their property in a crash. In BC the basic coverage comes from ICBC. Load programs often ask for more than the basic amount, so we add extra liability on top.
Trailer Interchange
Pays to repair or replace a trailer you pull but don't own, such as one that belongs to the program you haul for. A standard truck policy usually leaves these trailers out. Also called non-owned trailer coverage.
Motor Truck Cargo
Pays for the load you're hauling if it is damaged or stolen, for example in a crash, a fire or a break-in at a truck stop. Programs set a minimum amount for this too.
Commercial General Liability
Pays when your work injures someone or damages their property while you're not driving. For example, a dock worker trips over a strap you left on the ground.
Physical Damage
Pays to repair or replace your own truck after a crash, fire, theft or vandalism. For an owner operator, the truck is the business, so this helps you get back to work.
Common Questions
Questions About Owner Operator Insurance
I deliver to customers' doors in a van. Is this the right insurance?
No. Owner operator insurance is for drivers who own their truck and pull trailers between warehouses and sorting centres. If your vans or box trucks take orders to the customer's door, you need last-mile delivery insurance. It covers your vehicles, the orders inside them and your business, set to your delivery program's minimums.
Minimum Insurance For Load Programs
Each load program sets the least insurance it will accept before it gives you loads.
For example, as of October 2026, Amazon Relay asks for general liability of at least $1,000,000 for each incident and $2,000,000 in total for the policy year. It asks for auto liability of at least $1,000,000 for each incident, including $50,000 to replace a trailer you pull but don't own. It also asks for cargo coverage of at least $150,000.
Programs can change these amounts. Send us your program's current requirements and we will match your policy to them.
- 24-hour response guarantee for every question
- Coverage matched to your load program's minimums
- Quotes from several insurers, side by side
- Open 7 days a week to fit your schedule
- Annual re-shop to keep your rate competitive
- Help with your claim from start to finish
- Plain-English answers, no insurance jargon
- 95% client retention driven by our service
Request A Free Quote Below
Get A Free Quote
Fill out the form below or call us at +1 (604) 337-1217, and we will get back to you as soon as possible!
Getting set up starts with a short conversation about your truck, the trailers you pull and the loads you carry. If you already have a policy, we look at it for gaps.
Next, we ask several insurers for quotes and show them to you side by side, with the price, the deductible and the limits of each. The deductible is the part of a claim you pay yourself. We don't just point to the cheapest one. We explain the differences so you can choose.
Once you choose, we finalize your policy and give you a certificate of insurance, the one-page proof of coverage your program asks for. At every renewal, we review your policy and shop it again to keep your rate competitive.
Reliable Insurance For Surrey, British Columbia Residents
How Our Process Works
Discover Your Needs
We review your current policies, identify coverage gaps, and note any recent life or business changes that could affect your insurance.
Shop the Market
We obtain competitive multi‑carrier quotes and design coverage options tailored to your specific needs and risk profile.
Compare and Choose
We present clear side‑by‑side comparisons of prices, coverages, and key risks so you can confidently select the right policy.
Activate and Review
We finalize and process your chosen policy, then conduct mandatory annual reviews at renewal to keep your coverage up to date.
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Visit Our Information CenterWhy Choose Our Surrey, British Columbia Brokerage
The InsureLine Alder Advantage
We advocate fiercely with top underwriters to secure your ideal pricing and coverage. Accessing over fifteen national providers our experts translate complex policies into simple terms while supporting our local youth sports community.
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Trusted Insurance Providers In Surrey, British Columbia
Meet Your Dedicated Insurance Brokers
Our team stands for trust, service, and putting people first in every interaction. We are proud of the care we bring to our work, the knowledge we share with our clients, and the strong relationships we build in our community.
Every member of our team is committed to providing clear guidance, honest advice, and dependable support, so clients feel informed and confident at every step. Together, we create a welcoming experience backed by professionalism, responsiveness, and a genuine commitment to helping families and businesses protect what matters most.
Michael Puni
Managing Director
Gurtaj Bahad
Managing Director
Quality You Can Count On
See What Our Clients Say
Our clients consistently praise our clear communication and seamless claims support. From securing custom home coverage to saving business owners thousands on commercial premiums our proven results build genuine confidence and long term trust.
Manu Sidhu
5 out of 5 stars
I had a wonderful experience getting my insurance done from them. Gurtaj and Michael went out of their way to help me as my previous insurance brokers got my mom’s insurance messed up. I am glad that I went to them. I highly recommend them if you want any kind of insurance without any hassle.
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NIKHIL BHATTI
5 out of 5 stars
Great and fast service.
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Golabski
5 out of 5 stars
I had a great experience renewing my ICBC car insurance here. Harpal was very professional and took the time to explain the different options, and even helped me secure a low-kilometer discount. Highly recommended!
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Joe B
5 out of 5 stars
Had a really good experience at the South Surrey location. The team was able to answered all my questions and were able to get me the best rate possible. The process of getting my insurance was easy and I’ll definitely be renewing my insurance here.
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Apaar Kular
5 out of 5 stars
Amazing service👍
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Aarsh Kamboj
5 out of 5 stars
Great service from Insureline Alder Insurance South Surrey. The team is knowledgeable, responsive, and made the process quick and easy. Highly recommend!
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Amit Aujla (Amiauj89)
5 out of 5 stars
Great service and attention to detail. They take the time to understand my needs and create a coverage package that fits my needs and budget. Would highly recommend!
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Prabdeep Pabla
5 out of 5 stars
5 stars!! Great service. Highly reccomend for all your insurance needs .
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Proven Insurance Expertise In Surrey, British Columbia
Decades Of Industry Experience
With over twenty five years of combined experience and a ninety five percent retention rate we successfully manage fifteen million dollar books of business providing deep specialized expertise in complex commercial and cargo policies.
- Client Retention Rate
- 95%
- Years Of Experience
- 25+
- Client Savings (Single Policy)
- $200K
- Book Of Business
- $15M