How to lease on to a trucking company
Sign a written lease with a motor carrier that holds its own operating authority, hand it the truck against a receipt, qualify as its driver, and haul under its name and USDOT number. 49 CFR 376.12 says what the lease must contain: your pay, every chargeback, any escrow, payment within 15 days of your delivery paperwork, and who insures what. The carrier must keep the insurance that protects the public while you run under its authority; the lease says what you buy yourself, such as unladen liability, physical damage, and occupational accident or workers' compensation.
Updated . Written by Andre Beukers, principal at Redoubt, a commercial insurance agency in Salt Lake City, not a government office.
How do I lease my truck to a trucking company?
Leasing on is an equipment lease. 49 CFR 376.2 defines a lease as "A contract or arrangement in which the owner grants the use of equipment, with or without driver, for a specified period to an authorized carrier for use in the regulated transportation of property, in exchange for compensation." 376.12(a) says "The lease shall be made between the authorized carrier and the owner of the equipment."
Under 376.11 the carrier may run a truck it does not own only with a written lease that meets 376.12, a receipt naming the truck and the date and time it took possession, and the truck identified as in its service. On a truck rated 10,001 pounds or more, that means the carrier's name and USDOT number on both sides, after the words "operated by" if your name is on the door too; eCFR marks 390.21 "suspended indefinitely" and carries the same marking rule in 390.21T. While the lease runs, 376.12(c)(1) gives the carrier "exclusive possession, control, and use of the equipment" and "complete responsibility for the operation of the equipment."
The carrier also qualifies you as its driver. Part 391 sets minimum qualifications "for persons who drive commercial motor vehicles as, for, or on behalf of motor carriers," FMCSA's definition of employee in 390.5 "includes a driver of a commercial motor vehicle (including an independent contractor while in the course of operating a commercial motor vehicle)," and 391.51 requires a qualification file for each driver the carrier employs: application, motor vehicle record, road test or accepted license, medical certificate. That label is for the safety rules; 376.12(c)(4) says the lease does not decide whether you are a contractor or an employee.
What should I ask a carrier before leasing on?
Ask for the lease and check it against 376.12, whose provisions "shall be adhered to and performed by the authorized carrier." Each row below is a question to put to the recruiter. At the end of the lease, (f) lets the carrier hold final payment until its removable identification comes back or, for a lost or stolen device, a letter certifies its removal.
| Ask the carrier | The lease must state | 376.12 |
|---|---|---|
| What will you pay me? | The amount and method, delivered before the first trip | (d) |
| Which costs are mine? | Who pays fuel, fuel taxes, empty miles, permits, tolls, plates and licenses | (e) |
| When do I get paid? | Within 15 days of your delivery documents | (f) |
| Can I see what the load paid? | On percentage pay, the rated freight bill | (g) |
| What comes out of settlement? | Every chargeback and how it is computed | (h) |
| Must I buy anything from you? | That you are not required to | (i) |
| What insurance do you charge back? | Who provides each cover and the chargeback amount | (j) |
| How does escrow work? | Amount, uses, accounting, interest, return within 45 days | (k) |
Who pays for insurance when you lease on to a carrier?
The carrier must maintain the insurance that protects the public. 376.12(j)(1) requires the lease to state "the legal obligation of the authorized carrier to maintain insurance coverage for the protection of the public pursuant to FMCSA regulations under 49 U.S.C. 13906," and what, if anything, it charges back to you. For a for-hire carrier hauling nonhazardous property in interstate commerce in vehicles rated 10,001 pounds or more, FMCSA's 387.9 sets that floor at $750,000.
Everything else is what the lease assigns: it must say "who is responsible for providing any other insurance coverage for the operation of the leased equipment, such as bobtail insurance." If you buy cover through the carrier, (j)(2) entitles you to a copy of each policy and a certificate showing the insurer, coverages, your cost and your deductible. Under (j)(3), a cargo or property damage deduction needs conditions stated in the lease and a written itemization delivered before it is taken.
Landstar is a published example, as Gallagher's Landstar program page describes it. Gallagher says "Your Independent Contractor Operating Agreement (ICOA) with Landstar requires you procure at your expense Unladen liability insurance," and that contractors are enrolled in and charged for Gallagher's program through settlement unless comparable coverage is approved in writing. For a policy bought outside the program, Gallagher lists a $1,000,000 combined single limit minimum, Landstar named as additional insured, and 30 days' notice of cancellation. Gallagher also says a contractor outside its occupational accident plan must file with Landstar a workers' compensation certificate or, where the law allows, an occupational accident certificate.
Damage to your own truck is separate: 387.9 is a schedule of public liability only. Gallagher offers Landstar contractors physical damage by application, with GAP cover for financed trucks where, in its words, "Eligibility varies based on location/policy."
Can a box truck or hotshot owner-operator lease on without a CDL?
Yes, if the carrier takes that kind of truck. 376.2 defines equipment as "A motor vehicle, straight truck, tractor, semitrailer, full trailer, any combination of these" and other equipment used for hire, and Gallagher prices Landstar's unladen cover for "fifth wheel vehicles or straight trucks, panel vans, pickups and autos."
The CDL turns on weight ratings. 383.23 says "no person may legally operate a CMV unless such person possesses a CDL," and for that rule 383.5 and 383.91 count a Group A combination of 26,001 pounds or more with a towed unit over 10,000 pounds, a Group B single vehicle of 26,001 pounds or more, and a Group C vehicle carrying placarded hazardous materials or 16 or more passengers. Below those lines Part 383 does not call for a CDL. From 10,001 pounds, 390.5's broader definition makes the rig a commercial motor vehicle in interstate commerce, and Part 391's driver rules apply, qualification file and medical certificate included.
| Rig | CDL under Part 383 | Part 391 driver rules |
|---|---|---|
| Box truck or van under 10,001 lb GVWR | No | No; not a CMV under 390.5 |
| Box truck 10,001 to 26,000 lb GVWR | No | Yes |
| Box truck 26,001 lb GVWR and up | Group B | Yes |
| Hotshot under 26,001 lb GCWR | No | Yes, from 10,001 lb GCWR |
| Hotshot 26,001 lb GCWR and up, trailer over 10,000 lb | Group A | Yes |
Can a carrier lease on to another carrier?
Yes. 376.22, an exemption section, opens "Regardless of the leasing regulations set forth in this part, an authorized carrier may lease equipment to or from another authorized carrier," so the 376.12 lease terms do not govern that arrangement. Its own conditions are a signed written agreement that puts control and responsibility with the receiving carrier from the receipt until the truck goes back, the agreement carried in the truck, and the receiving carrier's identification on it.
What no carrier may do is rent out its number. FMCSA's March 19, 2026 bulletin says "Operating authority is not a distinct commodity and may not be sold, leased, or rented to another party," and that FMCSA will move to inactivate the USDOT number and revoke registrations when it finds that, while "Equipment leasing arrangements between motor carriers and owner-operators remain permissible."
Keeping your own MC active while leased on takes your own insurance on file: FMCSA's filing page says granted carriers "are required to maintain proof of insurance and designation of agents for process on file with FMCSA to avoid revocation proceedings." In one of our placements, in September 2026, that is where it stalled: a market wrote "We cannot write vehicles leased onto another carrier," and the wholesaler said that with the unit already under someone else's authority and non-trucking liability in place, "adding another policy doesn’t really make sense."
How do you lease on with FedEx Ground?
Not as an individual, and not under the FedEx Ground name. FedEx's annual report says that on June 1, 2024, "FedEx Ground Package System, Inc. (“FedEx Ground”) and FedEx Corporate Services, Inc. were merged into Federal Express Corporation," which uses "both employee couriers and service providers in surface operations." FedEx's contracting FAQ for those providers says it contracts with "for-profit corporations" and "not, for example, with LLCs, LLPs, sole proprietorships, partnerships or limited partnerships (LTDs)," that providers assign only their own employees, and that it does not lease vehicles: "The service provider is responsible for obtaining the appropriate equipment." Pickup and delivery uses straight trucks, step vans, box trucks and cargo vans; for linehaul, "tractors are the only vehicles that may be used."
A business owner who drives does so "under FedEx motor carrier authority" and only after meeting its safety and driver qualification terms. The provider buys auto liability and workers' compensation to the agreement's minimums, while "FedEx maintains insurance coverage for public liability, and for cargo loss and damage risks." So the paths are to incorporate and contract as a provider, or to drive for one. The FAQ does not publish the minimum limits; get them in writing first.
What to have ready when the carrier onboards you
- 1.Title or registration in your name, or the lease giving you exclusive use of the truck
- 2.Driver's license or CDL, and your medical examiner's certificate
- 3.Work and driving history for the driver application
- 4.Declarations pages for each cover the lease assigns to you
- 5.The carrier's additional insured wording and notice terms, for your agent
- 6.Your lender's name and loan number if the truck is financed
- 7.Your signed copy of the lease and the possession receipt
Do I need my own USDOT or MC number to lease on?
The lease puts the carrier's name and USDOT number on a truck rated 10,001 pounds or more, and FMCSA's bulletin calls equipment leasing between carriers and owner-operators permissible. We found no FMCSA page that says whether a leased owner-operator must also hold numbers of its own, so ask the carrier what it expects. If you keep your own authority, FMCSA requires your own proof of insurance on file for it.
How fast does the carrier have to pay me?
Within 15 days of your delivery documents, under 376.12(f). The carrier may not set a deadline for submitting them or make payment depend on a clean bill of lading.
What happens to my unladen policy when the lease ends?
If you bought it through the carrier's program, it can end with the lease. Gallagher's Landstar page says the unladen cover cancels when the ICOA terminates and the contractor must replace it immediately.
Where these answers come from
Each entry carries the exact words of the source so you can check it yourself. Forms, rules and carrier pages change; read the current version before acting.
- 1. 49 CFR 376.2(e), definition of lease, eCFR
“A contract or arrangement in which the owner grants the use of equipment, with or without driver, for a specified period to an authorized carrier for use in the regulated transportation of property, in exchange for compensation.”
ecfr.gov, accessed October 3, 2026. 376.2(a) defines an authorized carrier as one authorized under 49 U.S.C. 13901 and 13902; 376.2(d) defines owner to include a titleholder, a person with the right to exclusive use without title, or a person in lawful possession of equipment registered in that person's name. Pulled from the eCFR API (point in time 2026-10-01); eCFR lists no amendment to this section since 2018. - 2. 49 CFR 376.2(b), definition of equipment, eCFR
“A motor vehicle, straight truck, tractor, semitrailer, full trailer, any combination of these and any other type of equipment used by authorized carriers in the transportation of property for hire.”
ecfr.gov, accessed October 3, 2026 - 3. 49 CFR 376.11(a), written lease required, eCFR
“There shall be a written lease granting the use of the equipment and meeting the requirements contained in § 376.12.”
ecfr.gov, accessed October 3, 2026. 376.11(c) requires the carrier to identify the equipment as in its service under 49 CFR part 390. Last amended 2018 per eCFR. - 4. 49 CFR 376.11(b)(1), receipt for the equipment, eCFR
“When possession of the equipment is taken by the authorized carrier, it shall give the owner of the equipment a receipt.”
ecfr.gov, accessed October 3, 2026. The paragraph's lead-in requires the receipt to identify the equipment and state the date and time of day possession is transferred. - 5. 49 CFR 376.12, introductory text, eCFR
“The required lease provisions shall be adhered to and performed by the authorized carrier.”
ecfr.gov, accessed October 3, 2026. Pulled from the eCFR API (point in time 2026-10-01); eCFR lists no amendment to this section since 2018. - 6. 49 CFR 376.12(a), parties, eCFR
“The lease shall be made between the authorized carrier and the owner of the equipment. The lease shall be signed by these parties or by their authorized representatives.”
ecfr.gov, accessed October 3, 2026 - 7. 49 CFR 376.12(c)(1), exclusive possession and responsibilities, eCFR
“The lease shall provide that the authorized carrier lessee shall have exclusive possession, control, and use of the equipment for the duration of the lease. The lease shall further provide that the authorized carrier lessee shall assume complete responsibility for the operation of the equipment for the duration of the lease.”
ecfr.gov, accessed October 3, 2026 - 8. 49 CFR 376.12(c)(4), contractor or employee status not affected, eCFR
“Nothing in the provisions required by paragraph (c)(1) of this section is intended to affect whether the lessor or driver provided by the lessor is an independent contractor or an employee of the authorized carrier lessee.”
ecfr.gov, accessed October 3, 2026 - 9. 49 CFR 376.12(d), compensation to be specified, eCFR
“The amount to be paid by the authorized carrier for equipment and driver's services shall be clearly stated on the face of the lease or in an addendum which is attached to the lease.”
ecfr.gov, accessed October 3, 2026. The same paragraph requires delivery before the first trip and allows a percentage of gross revenue, a flat rate per mile, or another agreed method. - 10. 49 CFR 376.12(e), items specified in lease, eCFR
“The lease shall clearly specify the responsibility of each party with respect to the cost of fuel, fuel taxes, empty mileage, permits of all types, tolls, ferries, detention and accessorial services, base plates and licenses, and any unused portions of such items.”
ecfr.gov, accessed October 3, 2026. The same paragraph requires the lease to say who removes identification devices at termination and who loads and unloads. - 11. 49 CFR 376.12(f), payment period, eCFR
“The lease shall specify that payment to the lessor shall be made within 15 days after submission of the necessary delivery documents concerning a trip in the service of the authorized carrier.”
ecfr.gov, accessed October 3, 2026. The same paragraph lets the carrier withhold final payment until its identification devices are returned or a letter certifies their removal. - 12. 49 CFR 376.12(f), conditions the carrier may not put on payment, eCFR
“Payment to the lessor shall not be made contingent upon submission of a bill of lading to which no exceptions have been taken. The authorized carrier shall not set time limits for the submission by the lessor of required delivery documents.”
ecfr.gov, accessed October 3, 2026 - 13. 49 CFR 376.12(g), copies of the freight bill, eCFR
“When a lessor's revenue is based on a percentage of the gross revenue for a shipment, the lease must specify that the authorized carrier will give the lessor, before or at the time of settlement, a copy of the rated freight bill”
ecfr.gov, accessed October 3, 2026 - 14. 49 CFR 376.12(h), charge-back items, eCFR
“The lease shall clearly specify all items that may be initially paid for by the authorized carrier, but ultimately deducted from the lessor's compensation at the time of payment or settlement, together with a recitation as to how the amount of each item is to be computed.”
ecfr.gov, accessed October 3, 2026 - 15. 49 CFR 376.12(i), products, equipment or services from the carrier, eCFR
“The lease shall specify that the lessor is not required to purchase or rent any products, equipment, or services from the authorized carrier as a condition of entering into the lease arrangement.”
ecfr.gov, accessed October 3, 2026 - 16. 49 CFR 376.12(j)(1), insurance, eCFR
“The lease shall clearly specify the legal obligation of the authorized carrier to maintain insurance coverage for the protection of the public pursuant to FMCSA regulations under 49 U.S.C. 13906. The lease shall further specify who is responsible for providing any other insurance coverage for the operation of the leased equipment, such as bobtail insurance.”
ecfr.gov, accessed October 3, 2026. The paragraph's next sentence requires the lease to state the amount of any insurance charged back to the lessor. - 17. 49 CFR 376.12(j)(2), insurance bought through the carrier, eCFR
“Each certificate of insurance shall include the name of the insurer, the policy number, the effective dates of the policy, the amounts and types of coverage, the cost to the lessor for each type of coverage, and the deductible amount for each type of coverage for which the lessor may be liable.”
ecfr.gov, accessed October 3, 2026. The paragraph's first sentence requires the carrier to give the lessor a copy of each policy on request. - 18. 49 CFR 376.12(j)(3), cargo and property damage deductions, eCFR
“The lease shall clearly specify the conditions under which deductions for cargo or property damage may be made from the lessor's settlements.”
ecfr.gov, accessed October 3, 2026. The paragraph goes on to require a written explanation and itemization delivered to the lessor before any deduction is made. - 19. 49 CFR 376.12(k)(6), return of escrow, eCFR
“The lease shall further specify that in no event shall the escrow fund be returned later than 45 days from the date of termination.”
ecfr.gov, accessed October 3, 2026. Paragraphs (k)(1) to (k)(5) require the amount, the items it covers, an accounting, and interest at least quarterly; (k)(6) allows deductions at return only for obligations the lease specified. - 20. 49 CFR 376.22, leasing between authorized carriers, eCFR
“Regardless of the leasing regulations set forth in this part, an authorized carrier may lease equipment to or from another authorized carrier, or a private carrier may lease equipment to an authorized carrier under the following conditions”
ecfr.gov, accessed October 3, 2026. The conditions that follow: identification under 376.11(c), a signed written agreement placing control and responsibility with the lessee from the receipt until return, and a copy carried in the equipment. - 21. 49 CFR 390.5, definition of employee, eCFR
“Such term includes a driver of a commercial motor vehicle (including an independent contractor while in the course of operating a commercial motor vehicle), a mechanic, and a freight handler.”
ecfr.gov, accessed October 3, 2026. Section last amended 2026-07-21 per eCFR; the definition was read in the current text. - 22. 49 CFR 390.5, definition of commercial motor vehicle, paragraph (1), eCFR
“Has a gross vehicle weight rating or gross combination weight rating, or gross vehicle weight or gross combination weight, of 4,536 kg (10,001 pounds) or more, whichever is greater”
ecfr.gov, accessed October 3, 2026. The definition applies to a vehicle used on a highway in interstate commerce to transport passengers or property. - 23. 49 CFR 390.21T(a), marking of self-propelled CMVs, eCFR
“Every self-propelled CMV subject to this subchapter must be marked as specified in paragraphs (b), (c), and (d) of this section”
ecfr.gov, accessed October 3, 2026. Paragraph (b) requires the operating carrier's name and "The identification number issued by FMCSA to the motor carrier or intermodal equipment provider, preceded by the letters “USDOT.”" (b)(3) requires "operated by" when another name appears, and (c)(1) marking on both sides. A CMV under 390.5 starts at 10,001 pounds. - 24. 49 CFR 390.21, effective date note, eCFR
“At 84 FR 40294, Aug. 14, 2019, the suspension was lifted and amendments were made to § 390.21. In that same document, § 390.21 was again suspended indefinitely.”
ecfr.gov, accessed October 3, 2026. 390.21 and 390.21T print the same marking paragraphs; 390.21T is the text in effect while 390.21 is suspended. - 25. 49 CFR 391.1(a), scope of the driver qualification rules, eCFR
“The rules in this part establish minimum qualifications for persons who drive commercial motor vehicles as, for, or on behalf of motor carriers.”
ecfr.gov, accessed October 3, 2026 - 26. 49 CFR 391.51(a), driver qualification files, eCFR
“Each motor carrier shall maintain a driver qualification file for each driver it employs.”
ecfr.gov, accessed October 3, 2026. Paragraph (b) lists the application, motor vehicle records, road test certificate or accepted equivalent, and the medical examiner's certificate. - 27. 49 CFR 383.23(a)(2), commercial driver's license required, eCFR
“Except as provided in paragraph (b) of this section, no person may legally operate a CMV unless such person possesses a CDL which meets the standards contained in subpart J of this part, issued by his/her State or jurisdiction of domicile.”
ecfr.gov, accessed October 3, 2026. Paragraph (b) covers non-domiciled drivers. - 28. 49 CFR 383.5, definition of CMV for the CDL rules, eCFR
“Commercial motor vehicle (CMV) means a motor vehicle or combination of motor vehicles used in commerce to transport passengers or property if the motor vehicle is a—”
ecfr.gov, accessed October 3, 2026. The definition goes on to Group A and Group B at 26,001 pounds and Group C for 16 or more passengers or hazardous materials, which 383.5 defines as material required to be placarded or a listed select agent or toxin. Section last amended 2026-03-16 per eCFR. - 29. 49 CFR 383.91(a)(1), Group A combination vehicles, eCFR
“Any combination of vehicles with a gross combination weight rating (GCWR) of 11,794 kilograms or more (26,001 pounds or more) provided the GVWR of the vehicle(s) being towed is in excess of 4,536 kilograms (10,000 pounds).”
ecfr.gov, accessed October 3, 2026. Group C, in (a)(3), covers vehicles designed for 16 or more passengers or used to transport hazardous materials as defined in 383.5. - 30. 49 CFR 383.91(a)(2), Group B heavy straight vehicles, eCFR
“Any single vehicle with a GVWR of 11,794 kilograms or more (26,001 pounds or more), or any such vehicle towing a vehicle not in excess of 4,536 kilograms (10,000 pounds) GVWR.”
ecfr.gov, accessed October 3, 2026 - 31. 49 CFR 387.9, Table 1, Schedule of Limits—Public Liability, row 1, eCFR
“For-hire (In interstate or foreign commerce, with a gross vehicle weight rating of 10,001 or more pounds) Property (nonhazardous) $750,000”
ecfr.gov, accessed October 3, 2026. The table is titled "Schedule of Limits—Public Liability." Last amended 2026-07-21, which changed no dollar figure. - 32. FMCSA bulletin, DO NOT Sell, Purchase, or Lease a USDOT or MC Number, March 19, 2026
“Equipment leasing arrangements between motor carriers and owner-operators remain permissible and are distinct from the prohibited sale, purchase, or lease of USDOT Numbers or operating authority registration.”
fmcsa.dot.gov, accessed October 3, 2026. Read in a browser; fmcsa.dot.gov returns 403 to curl. The bulletin names 49 CFR Part 376 as the rule for compliant equipment leasing. - 34. FMCSA bulletin, DO NOT Sell, Purchase, or Lease a USDOT or MC Number, on enforcement
“Upon discovery of attempts to sell, purchase, or lease a USDOT Number or Operating Authority outside of a legitimate corporate transaction, FMCSA will initiate proceedings to inactivate the USDOT Number and revoke all related registrations”
fmcsa.dot.gov, accessed October 3, 2026. Read in a browser; fmcsa.dot.gov returns 403 to curl. - 35. FMCSA, Insurance Filing Requirements, keeping proof on file after the grant
“Once operating authority is granted, entities are required to maintain proof of insurance and designation of agents for process on file with FMCSA to avoid revocation proceedings.”
fmcsa.dot.gov, accessed October 3, 2026. Read in a browser; fmcsa.dot.gov returns 403 to curl. Page last updated March 26, 2026. - 36. Gallagher Transportation Services, Landstar Unladen Liability program page
“Your Independent Contractor Operating Agreement (ICOA) with Landstar requires you procure at your expense Unladen liability insurance.”
landstar.ajg.com, accessed October 3, 2026. The program administrator's own page for Landstar contractors; quoted as what Gallagher says Landstar's ICOA requires. - 37. Gallagher, Landstar Unladen Liability, required coverage if bought elsewhere
“A minimum of $1,000,000 combined single limit for bodily injury and/or property damage.”
landstar.ajg.com, accessed October 3, 2026. The same list requires Landstar as an additional named insured in set wording, a bobtail and deadhead endorsement, and a certified copy of the policy on file with Landstar. - 38. Gallagher, Landstar Unladen Liability, notice to the additional insured
“Additional insured must be given a minimum of 30 days notice for nonpayment, cancellation or non-renewal on the specified equipment augmented to Landstar.”
landstar.ajg.com, accessed October 3, 2026 - 39. Gallagher, Landstar Unladen Liability, automatic enrollment
“In accordance with the ICOA, all Independent Contractors are automatically covered under and charged for this program at the time of the execution of the ICOA. An exception will be made only after submission and written approval of comparable coverage as noted under "Required Coverage."”
landstar.ajg.com, accessed October 3, 2026 - 40. Gallagher, Landstar Unladen Liability, settlement deduction
“In accordance with your ICOA, your cost for coverage under the Unladen liability program, as well as any charge in return for Landstar's indemnification, will be deducted from your settlement check.”
landstar.ajg.com, accessed October 3, 2026 - 41. Gallagher, Landstar Unladen Liability, termination
“In the event your ICOA with Landstar is terminated for any reason, the Unladen liability insurance coverage for bodily injury and property damage will cancel effective the date of the termination of your ICOA or the earliest date thereafter allowed by law.”
landstar.ajg.com, accessed October 3, 2026. The next sentence: "You are responsible to make immediate arrangements to replace coverage." - 42. Gallagher, Landstar Unladen Liability, cost by vehicle type
“The cost to U.S. resident BCOs for obtaining coverage under the Unladen liability program is dependent on vehicle type, fifth wheel vehicles or straight trucks, panel vans, pickups and autos as specified in your ICOA with Landstar.”
landstar.ajg.com, accessed October 3, 2026 - 43. Gallagher, Landstar Contractor Protection Plan, evidence of coverage
“If you don't participate in CPP, you are required to have on file with Landstar a certificate of insurance for statutory Workers' Compensation, or, when allowed by law, an occupational accident coverage certificate”
landstar.ajg.com, accessed October 3, 2026. The page describes CPP as an occupational accident policy, not statutory workers' compensation. - 44. Gallagher, Landstar Physical Damage program page, GAP lease coverage
“GAP Lease coverage is available to Independent Contractors that have their vehicles under a finance agreement.”
landstar.ajg.com, accessed October 3, 2026. The section heading reads "GAP Lease Coverage (Eligibility varies based on location/policy)." The page says physical damage applications are available from the Gallagher insurance coordinator. - 45. FedEx Corporation, Form 10-K for the fiscal year ended May 31, 2026, Item 1
“In connection with our one FedEx consolidation plan, on June 1, 2024, FedEx Ground Package System, Inc. (“FedEx Ground”) and FedEx Corporate Services, Inc. were merged into Federal Express Corporation (“Federal Express”), becoming a single company operating a unified, fully integrated air-ground express network under the respected FedEx brand.”
sec.gov, accessed October 3, 2026. Read in a browser; sec.gov returns 403 to curl without a contact header. Filed 2026-07-20. - 46. FedEx Corporation, Form 10-K for fiscal 2026, Network 2.0
“Under Network 2.0, we utilize both employee couriers and service providers in surface operations using a market-by-market approach.”
sec.gov, accessed October 3, 2026. Read in a browser. - 47. FedEx, Contract with FedEx: Frequently Asked Questions, service provider corporations
“FedEx contracts with service providers that are independent businesses that are established as for-profit corporations under state/provincial law in the United States or Canada, and not, for example, with LLCs, LLPs, sole proprietorships, partnerships or limited partnerships (LTDs).”
contracting.fedex.com, accessed October 3, 2026 - 48. FedEx contracting FAQ, getting started
“They also agree to assign only personnel who are classified and treated as employees of the service provider to provide services.”
contracting.fedex.com, accessed October 3, 2026. The preceding sentence says service providers agree to register as an S or C corporate business. - 49. FedEx contracting FAQ, does FedEx offer a vehicle lease program
“No. FedEx does not lease vehicles to service providers. The service provider is responsible for obtaining the appropriate equipment to provide services under the agreement.”
contracting.fedex.com, accessed October 3, 2026 - 50. FedEx contracting FAQ, vehicle types for pickup and delivery
“For P&D service providers, the following types of vehicles meet the ISP Agreement terms: straight trucks, sprinter vans, step vans, box trucks and cargo vans.”
contracting.fedex.com, accessed October 3, 2026 - 51. FedEx contracting FAQ, vehicle types for linehaul
“For linehaul service providers, tractors are the only vehicles that may be used.”
contracting.fedex.com, accessed October 3, 2026 - 53. FedEx contracting FAQ, who provides insurance
“Under the terms of the agreement, it is a service provider’s responsibility to obtain insurance coverage, including, but not limited to, automobile/truckers' bodily injury and property damage coverage and workers’ compensation, consistent with the agreed-upon minimum coverage contract terms. FedEx maintains insurance coverage for public liability, and for cargo loss and damage risks.”
contracting.fedex.com, accessed October 3, 2026. A platform's statement about its own contract. The FAQ does not publish the minimum limits. - 54. Redoubt placement record: a transportation market's email on a tractor leased to another carrier
“we will not have an appetite in Smart Start Transportation for brokers or brokered drivers. We cannot write vehicles leased onto another carrier.”
Redoubt agency records, accessed September 28, 2026. Redoubt's own placement experience for one owner keeping his authority while leased on; not a statement about the market as a whole. - 55. Redoubt placement record: wholesaler email on the same leased-on tractor
“If the unit is already under insured under someone else’s authority and he has bobtail or Non-Trucking Liability in place adding another policy doesn’t really make sense.”
Redoubt agency records, accessed September 28, 2026. Redoubt's own placement experience, quoted as written.
An owner-operator is leasing onto a carrier or leasing a truck and the agreement sets the coverage
Landstar and other lease-ons: bobtail and non-trucking liability, what the lease assigns, and how to lease on.
Elsewhere on the site
Leasing on and need the cover the lease puts on you?
Text Redoubt the insurance page of the lease or the carrier's requirements, the truck's year and weight rating, and your start date. We will go through what the lease puts on you, what the carrier already carries, and what has to be in place before your first load.
This is general insurance information, not legal advice or a coverage determination. The policy forms, the endorsements the carrier issues, and the requirement in writing from whoever is asking control.