Business Details
31 Years
experience
Your Trusted Transportation Insurance Partner
Continental Owner Operators, LTD. (COOL) was established in 1995 as a safety-driven association dedicated to serving owner operators through comprehensive risk protection and member benefits. We specialize in tailored insurance solutions including liability coverage, physical damage protection, and health insurance programs designed to meet the unique needs of transportation professionals. Our team leverages decades of industry expertise to deliver competitive rates while maintaining a strong focus on safety and loss prevention. We provide subrogation services to recover losses from negligent parties and offer deductible reimbursement options to ease financial burdens. Our commercial general liability coverage extends to premises and operations exposures, fire legal liability, and medical expenses.Through strategic partnerships like BenefitProtect, we offer customizable health benefit solutions with personalized counseling for individuals and small groups. Our physical damage coverage includes flexible deductible options and protection for leased/financed equipment gaps. We maintain transparent payment policies with clear late fee structures and handle cancellations/refunds according to individual policy terms. Our commitment to member satisfaction is reflected in our 24/7 accident protection for truck drivers and specialized occupational accident coverage.
Services
Liability Insurance
Physical Damage Coverage
Health Insurance
General Liability
Scheduled Property
Occupational Accident
Deductible Reimbursement
Subrogation Services
Details
- Year established: 1995
Highlights and features
- We offer tailored insurance programs for owner operators since 1995
- Our coverage includes $1,000,000 liability protection with uninsured motorist limits
- We provide subrogation services to recover client losses from negligent parties
- Our deductible reimbursement helps cover lease agreement financial responsibilities
- BenefitProtect partnership offers customized health benefit solutions with counseling
Services
Liability Insurance
Our liability insurance protects owner operators with $1,000,000 coverage for accidents not under dispatch. This includes uninsured motorist protection up to $100,000 for bodily injury. The policy helps cover legal expenses and damages when you're at fault, providing essential financial security for commercial drivers facing unexpected incidents.
Physical Damage
Physical damage coverage protects your truck and trailer with deductible options at $1,000 or $2,500. We offer subrogation services to recover losses from negligent parties and special coverage for leased/financed equipment gaps. This protection ensures your transportation assets remain secure against collision, comprehensive, and fire-related damages.
Health Insurance
BenefitProtect health solutions provide customizable medical coverage options for truck drivers. Choose from major medical plans, limited coverage options, and discount cards. Our specialists offer personalized counseling to help individuals and small groups select appropriate coverage, including dental, accident, and term life insurance components tailored to transportation professionals' unique needs.
General Liability
Commercial general liability insurance covers $1,000,000 for property damage or injuries unrelated to vehicle operation. Includes $100,000 fire legal liability and $5,000 medical coverage. This protection extends to your business premises and operations exposures, safeguarding owner operators against common non-vehicle business risks associated with their transportation enterprise.
Occupational Accident
24/7 occupational accident coverage protects truck drivers during dispatch operations. Combines accident, health, and casualty benefits for injuries sustained while performing driving duties. This specialized insurance provides financial security for work-related injuries anywhere you drive, offering comprehensive protection that complements standard commercial auto policies.
Questions
What insurance options do you offer for owner operators?
We provide liability coverage, physical damage protection, health insurance, general liability, scheduled property coverage, and occupational accident insurance tailored for truck drivers.
How does deductible reimbursement work?
Our deductible reimbursement helps cover the amount you're responsible for under your lease agreement with motor carriers, reducing your out-of-pocket expenses after incidents.
Do you offer health benefit solutions?
Yes, through BenefitProtect we offer customizable health plans including major medical, limited coverage options, dental, and accident insurance with personalized counseling.
What payment methods do you accept?
We accept credit/debit card payments (with 3.25% fee) and checks ($4 processing fee). Payments must be made by the 1st of each month to avoid late fees.
How do you handle claims and subrogation?
We provide subrogation services to recover losses from negligent parties and handle claims according to individual policy terms and insurance company procedures.
What areas do you serve?
As a specialized insurance provider for owner operators, our services are available nationwide with administrative support based in Billings, Montana.
