Protect the Empire™ Trucking Resource

Owner-Operator Contract Risk Self-Assessment

Use this checklist to identify business, insurance, operational, and financial questions to raise before signing a lease-on, truck-management, or carrier agreement.

Important Disclosure: This self-assessment is provided by Merrill Insurance Agency, Inc. for general educational and insurance-risk awareness purposes only. It is not legal advice, a legal opinion, contract interpretation, or a substitute for review by a qualified transportation attorney. Completing this assessment does not create an attorney-client relationship, insurance coverage, or a professional-services engagement. Contract enforceability and legal rights vary by jurisdiction and circumstances.

Immediate Red Flags

Check each condition that appears in the agreement.

Questions or Notes

Review the insurance impact before you sign

Merrill Insurance Agency can help you identify insurance-related questions, coverage gaps, deductible exposure, and operational risk areas. We do not provide legal advice or determine whether you should sign an agreement.

Ask ARIA an Insurance Question

Merrill Insurance Agency, Inc. is licensed in Illinois. This tool does not bind, amend, or guarantee insurance coverage. All coverage is subject to carrier underwriting, policy terms, conditions, limitations, and exclusions.

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