The one thing I would recommend doing is giting an LLC. the way some people are sue happy these day an LLC is the best way to protect yourself should somthing happen and it is cheap mine was $550 small price for peace of mind
I understand your intent is good on this eve of Christmas but here is the thing, there is no entity (corporate or otherwise) that will protect an owner operator or a driver.
Your assets, personal and business are at risk because of the nature of the work and the law. The only thing that is untouchable is pensions and in most cases 401k/403b.
This lie that has been floated around by the carpet sale style lawyers and online corporation shops is that being incorporated will protect your home etc.. all to drum up business. People make good money by having off the shelf companies and providing services for those who think there is a need to "protect" their stuff. In reality most of the stuff can be done for under $100.
The real purpose of incorporating is to lessen tax liabilities and only that. With the way our tax code is, you need a good accountant who knows your business in order to show you what will work for your situation, everyone is different.