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Isn't that usually a trucking term?
Edit: A quick Google search shows that every non-dictionary website you get about the term is solely about trucking owner-operators, but Wikipedia and definition pages usually mention that it can be any business in passing before then talking only about owner-operators in the context of trucks. So technically it is any business, it just carries a heavy connotation of trucks.
Its a legal IRS classification as well as depr of labor. In terms of data doctors who file under sub(s) for purposes of taxes would be counted under owner-operator as would a dry cleaner, a deli owner or laywer who does the same