Here at Outdoor Insurance Services, serving the greater Houston, TX area, one of the types of insurance we offer is operator insurance. While there are many types of insurance products that you may be familiar with, operator’s insurance is not one of the products that most people are familiar with. As such, when you hear this term, you may wonder what operators’ insurance is and when you may find yourself needing an operators’ insurance product. Read on to get the answers to these questions. 

What Is Operator’s Insurance? 

Operator’s insurance differs greatly from traditional liability insurance that you see with auto or truck insurance policies. With traditional policies, the vehicle itself is covered, regardless of who is operating the car, as long as they are not on an excluded list. With operator’s insurance, you, the driver, are covered, regardless of which vehicle you operate. Most operator’s insurance policies apply to drivers of cars or operators of big rigs. 

When Should You Consider Purchasing an Operator’s Insurance Policy? 

If you typically drive one or more vehicles you do not own, purchasing an operator’s insurance policy may benefit you. It helps to ensure that you are covered as the driver of the vehicle or truck, regardless of what type of insurance the owner of the vehicle has. This helps to protect you when you are operating someone else’s vehicle. 

Operator’s insurance may be needed if you operate a vehicle or a big rig you do not own. Typically, insurance products cover the vehicle itself, but operator’s insurance is designed to cover the operator or driver. If you want to purchase an operator’s insurance policy in the greater Houston, TX area, please get in touch with Outdoor Insurance Services to get the help you deserve when looking for and purchasing your ideal insurance policy.