However, they only use owner-operators who have their own trucks and rent them to the licensed driver. When an owner-operator leases to a carrier, the carrier notifies the insurance agent so that the owner-operator can be added to the insurance. It`s never, ever, ever a good idea. If the other owner had an accident, if someone did not pay or refused to pay a debt, the carrier would be held liable with the AMF, and you would be. If the insurance company found out, they would likely terminate your insurance, which would mean you would have no authority. There are leasing regimes that apply when an owner-operator wishes to work for a driver. .