OOIDA

What OOIDA does

OOIDA (Owner-Operator Independent Drivers Association) is a member-based trade association founded in 1973 and headquartered in Grain Valley, Missouri, representing more than 150,000 owner-operators and small-fleet truckers across all 50 U.S. states and Canada who collectively own or operate more than 240,000 heavy-duty trucks. The association runs an integrated advocacy and insurance services model: it lobbies on federal trucking legislation and regulation from a staffed Washington, D.C. Government Affairs office, while delivering commercial truck insurance products—primary liability ($750,000 and $1 million limits), physical damage, motor truck cargo, bobtail, non-trucking, unladen liability, and supplemental coverages—through wholly-owned subsidiaries.

The core insurance technology is a direct-underwriting platform housed inside Owner-Operator Services Inc. (OOSI), which binds policies and electronically files proof of insurance with the Federal Highway Administration without third-party involvement. OOIDA also operates the OOIDA Risk Retention Group (a federal Liability Risk Retention Act vehicle for eligible liability coverage), CMCI for claims management, Land Line Magazine as an audited trade publication, and the OOIDA Foundation. Agents are non-commissioned and provide coverage recommendations based on owner-operator needs rather than carrier-mandated add-ons.

Revenue is generated from recurring membership dues and premium on the insurance product suite, with profits from subsidiary activities reinvested into advocacy. Pricing is quote-based and not publicly disclosed; monthly payment installments are offered without credit checks, large down payments, or hidden renewal costs. The primary go-to-market is inside sales via phone (800-715-9369) and email, supplemented by an online certificate-request portal and a self-service membership portal at ooida.com. OOIDA is also one of ten founding insurance agencies in the Highway Certified Network (2026), extending its distribution relationships into the brokered freight ecosystem.

Name

OOIDA

Legal name

OOIDA, Inc.

Website

https://ooidatruckinsurance.com

Company type

Private

Founded year

1973

Operating status

Operating

Headcount range

251–500 employees

Short description

OOIDA (Owner-Operator Independent Drivers Association) is a member-based trade association founded in 1973 that, through its wholly-owned subsidiary OOSI, provides commercial truck insurance and advocacy services to more than 150,000 owner-operators and small fleets owning over 240,000 trucks across the U.S. and Canada.

Ownership category

akta.pro rank

Product category

Commercial Truck Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Insurance Carriers and Related Activities (524), Other Insurance Funds (525190)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Non-Trucking Liability / Bobtail (FSAJABAD)

akta.pro secondary industries

Hired & Non-Owned Auto (FSAJABAE), Non-Owned Auto Liability (Employee/Contractor Use) (TLABANAC), Regulatory Compliance & Risk (DOT/FMCSA, MVR Monitoring, Drug & Alcohol Programs) (TLABANAL)

Keywords

• Commercial truck insurance
• Owner-operator coverage
• Motor carrier insurance
• Trucking advocacy services
• Fleet insurance solutions

Headquarters

HQ city

Grain Valley

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others, Technology or R&D

Revenue model

1. Commercial Truck Insurance Products: OOIDA generates revenue through the sale of commercial truck insurance products including primary liability, physical damage, motor truck cargo, bobtail liability, non-trucking liability, unladen liability, and supplemental coverages. The organization offers convenient monthly installments without large upfront payments and no additional finance costs. All profits from subsidiary companies go back into the Association to fund advocacy efforts and protect truckers' rights.
2. Membership Dues: OOIDA generates revenue through membership dues from its 150,000+ members. Members receive access to insurance products, advocacy representation, legislative updates, and other member benefits.
3. Insurance Product Partnerships: OOIDA shares member information with a limited number of outside insurance companies (including Alea London Ltd, American Fidelity, Canopius Group, Cornerstone Preferred Resources, Transamerica Life Insurance Company, Besso Limited, Brit Insurance Limited, Lloyd's of London, The AmeritasAcacia Companies, Intact Insurance Group USA LLC, Puritan Life Insurance Company) to process policies and claims efficiently.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

OOIDA (Owner-Operator Independent Drivers Association) is a member-based trade association that sells a complete range of affordable commercial truck insurance products to owner-operators and small trucking fleets through its wholly-owned subsidiary Owner-Operator Services Inc. (OOSI). Coverage includes primary liability, physical damage, motor truck cargo, bobtail liability, non-trucking liability, and supplemental protections such as towing, roadside breakdown, rental reimbursement, and gap coverage, all offered with monthly installments and no credit checks. Membership also funds legislative and regulatory advocacy on behalf of small-business truckers.

Product overview

OOIDA (Owner-Operator Independent Drivers Association) is a trade association and insurance provider offering a unified suite of commercial truck insurance products and services for owner-operators and small fleets. The core offerings consist of Owner-Operator Coverage (for those running under their own authority) and Leased Owner-Operator Coverage (for those leased to motor carriers), supplemented by Additional Coverage Options including Gap Coverage, Roadside Breakdown, Towing and Clean-up, and other add-on protections. The company also operates the OOIDA Risk Retention Group for liability coverage. All insurance products are sold directly through Owner-Operator Services Inc. (OOSI), OOIDA's wholly-owned insurance subsidiary, with agents providing non-commission advice to members.

Differentiator

Problem solved

Functional benefit

Products and services

• Owner-Operator Coverage Commercial truck insurance for owner-operators running under their own authority, including Primary Liability, Motor Truck Cargo, Physical Damage, Commercial General Liability, and Passenger Accident Coverage.
• Leased Owner-Operator Coverage Commercial truck insurance for owner-operators leased to motor carriers, providing Non-Trucking Liability, Unladen Liability, Bobtail Liability, and Physical Damage coverage.
• Additional Coverage Options Supplemental insurance products including Supplemental Towing and Clean-up, Roadside Breakdown, Rental Reimbursement, Personal Property Coverage, Optional Downtime Coverage, Limited Depreciation, Trailer Interchange Coverage, and Gap Coverage.
• OOIDA Risk Retention Group A risk retention group operating under the federal Liability Risk Retention Act of 1986, providing liability coverage for eligible group members.
• OOIDA Membership Membership program representing over 150,000 owner-operators and professional drivers, providing advocacy, legislative representation, and access to insurance services.

Quantifiable outcome

• Over 150,000 members strong across all 50 states and Canada
• +1 more outcomes

Named customers2 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

24 partnerships are on record, tiered flagship, core and minor.

• HighwayflagshipStrategic or Co-development Partner · 1 June 2026OOIDA is one of the 10 founding insurance agencies in the Highway Certified Network, a certification program establishing standards for accuracy, completeness, and timeliness of insurance data in the brokered freight ecosystem. The network aims to bring shared accountability and transparency to freight broker decisions by holding insurance data sources to enforceable standards.
• Cavallino Risk Management Inc.flagshipStrategic or Co-development Partner · 1 June 2026Founding member of the Highway Certified Network, committed to providing verifiable Certificates of Insurance, VIN-level vehicle coverage transparency, and timely policy updates.
• ECBMflagshipStrategic or Co-development Partner · 1 June 2026Founding member of the Highway Certified Network, committed to providing verifiable Certificates of Insurance, VIN-level vehicle coverage transparency, and timely policy updates.
• HowdenflagshipStrategic or Co-development Partner · 1 June 2026Founding member of the Highway Certified Network, committed to providing verifiable Certificates of Insurance, VIN-level vehicle coverage transparency, and timely policy updates.
• Marquee Insurance GroupflagshipStrategic or Co-development Partner · 1 June 2026Founding member of the Highway Certified Network, committed to providing verifiable Certificates of Insurance, VIN-level vehicle coverage transparency, and timely policy updates.
• Monarch Insurance Brokers LimitedflagshipStrategic or Co-development Partner · 1 June 2026Founding member of the Highway Certified Network, committed to providing verifiable Certificates of Insurance, VIN-level vehicle coverage transparency, and timely policy updates.
• Pullsure/Valley Trucking InsuranceflagshipStrategic or Co-development Partner · 1 June 2026Founding member of the Highway Certified Network, committed to providing verifiable Certificates of Insurance, VIN-level vehicle coverage transparency, and timely policy updates.
• Transtar Insurance BrokersflagshipStrategic or Co-development Partner · 1 June 2026Founding member of the Highway Certified Network, committed to providing verifiable Certificates of Insurance, VIN-level vehicle coverage transparency, and timely policy updates.
• Truck WritersflagshipStrategic or Co-development Partner · 1 June 2026Founding member of the Highway Certified Network, committed to providing verifiable Certificates of Insurance, VIN-level vehicle coverage transparency, and timely policy updates.
• TrueNorth CompaniesflagshipStrategic or Co-development Partner · 1 June 2026Founding member of the Highway Certified Network, committed to providing verifiable Certificates of Insurance, VIN-level vehicle coverage transparency, and timely policy updates.
• Alea London LtdcoreOthersOne of the outside insurance companies OOIDA shares member information with to process policies and claims. Contact: [email protected]
• American FidelitycoreOthersOutside insurance company partner for processing policies and claims. Part of the insurance company network OOIDA discloses member information with.
• Canopius GroupcoreOthersOutside insurance company partner for processing policies and claims. Part of the insurance company network OOIDA discloses member information with.
• Cornerstone Preferred ResourcescoreOthersOutside insurance company partner for processing policies and claims. Part of the insurance company network OOIDA discloses member information with.
• Transamerica Life Insurance CompanycoreOthersOutside insurance company partner for processing policies and claims. Part of the insurance company network OOIDA discloses member information with.
• Besso LimitedcoreOthersOutside insurance company partner for processing policies and claims. Part of the insurance company network OOIDA discloses member information with.
• Brit Insurance LimitedcoreOthersOutside insurance company partner for processing policies and claims. Part of the insurance company network OOIDA discloses member information with.
• Lloyd's of LondoncoreOthersLloyd's of London is the largest, oldest insurance company in the world and provides reinsurance for OOIDA's surplus lines insurance program. Part of the insurance company network OOIDA discloses member information with.
• The AmeritasAcacia CompaniescoreOthersOutside insurance company partner for processing policies and claims. Part of the insurance company network OOIDA discloses member information with.
• Intact Insurance Group USA LLCcoreOthersOutside insurance company partner for processing policies and claims. Part of the insurance company network OOIDA discloses member information with.
• Puritan Life Insurance CompanycoreOthersOutside insurance company partner for processing policies and claims. Part of the insurance company network OOIDA discloses member information with.
• AASHTOminorGTM or Marketing PartnerIndustry group that endorsed the Build America 250 Act, alongside OOIDA, AECOM, and Lyft. OOIDA supports this bipartisan legislation for sustained federal investment in roads, bridges, transit and rail.
• AECOMminorGTM or Marketing PartnerIndustry group that endorsed the Build America 250 Act, alongside OOIDA, AASHTO, and Lyft. OOIDA supports this bipartisan legislation for sustained federal investment in roads, bridges, transit and rail.
• LyftminorGTM or Marketing PartnerTransportation company that endorsed the Build America 250 Act, alongside OOIDA, AASHTO, and AECOM. OOIDA supports this bipartisan legislation for sustained federal investment in roads, bridges, transit and rail.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Canal Insurance Company: Specialty commercial property-and-casualty insurer concentrated in commercial auto for trucking and commercial fleets. Canal is a direct competitor in the specialty trucking segment OOIDA serves, particularly for owner-operator and small-fleet commercial auto.
• National General Insurance: Specialty personal and commercial lines carrier (now part of Allstate) with a dedicated commercial auto and trucking book. Competes with OOIDA in non-standard commercial auto for owner-operators and small trucking businesses through direct and agent channels.
• Acuity Insurance: Regional mutual insurer with a specialty commercial trucking book serving owner-operators and small-to-mid fleets. Acuity is comparable to OOIDA in product mix (primary liability, physical damage, cargo) and in its direct-writing, specialty-trucking positioning.
• Reliance Partners: Specialty commercial trucking insurance agency serving owner-operators and small fleets with primary liability, physical damage, cargo, and bobtail coverage. Reliance Partners is a direct agency-level competitor with a similar product set and target customer as OOIDA's OOSI division.
• Northland Insurance (a Travelers company): Travelers' dedicated trucking division providing commercial auto, motor truck cargo, and excess coverage to motor carriers and owner-operators. Northland competes directly with OOIDA's primary liability, physical damage, and supplemental coverage lines for the same target customer.
• Great West Casualty Company: Specialty commercial trucking insurer focused exclusively on motor carriers, owner-operators, and small-to-mid fleet risks. Like OOIDA via OOSI, Great West underwrites directly with trucking-specific expertise, making it one of the closest comparables for OOIDA's core owner-operator and small-fleet book.
• Berkshire Hathaway GUARD Insurance Companies: Specialty commercial lines insurer with a heavy concentration in trucking and motor carrier liability. GUARD competes head-to-head with OOIDA in owner-operator and small-fleet liability, physical damage, and motor truck cargo, leveraging direct-writing capacity similar to OOIDA's OOSI model.

Broad incumbents

• Progressive Commercial: Progressive's commercial division is a top-3 U.S. writer of commercial auto and truck insurance, serving owner-operators and small fleets through direct and agent channels. It is the most direct large-scale competitor to OOIDA's owner-operator book, though with a broader multi-line portfolio.
• Sentry Insurance: Mutual insurance company serving businesses with commercial auto, property, and workers' compensation — including a trucking segment. Sentry competes with OOIDA for small-fleet commercial auto while operating across a broader business insurance portfolio.

Emerging players

• CoverWallet: Digital commercial insurance platform (acquired by Aon) that targets SMBs including trucking and commercial auto buyers with online bind, comparison, and embedded workflows. Represents the digital-native threat vector for OOIDA's traditional phone-and-email distribution model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/owner-operator-services-inc

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries7 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about OOIDA