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What is Non Trucking Liability Insurance?
Non Trucking Liabilty Insurance Definition- Insurance that covers truckers that are under a lease to a motor carrier for damages they might cause to third parties when they are using their truck for non-business purposes.
Non-Trucking Insurance covers both your tractor and trailer when you’re not on dispatch. Owner/operators can use their rig as a private vehicle during their time off and still be covered by insurance. Non-trucking liability insurance is more broad.
Let’s say you just got a new Peterbilt and signed a lease agreement with another motor carrier. They handle the primary liability insurance while you are working for them, but you’ll need to purchase additional coverage for when you use the truck outside of work. So, you are showing your girlfriend your new truck and she wants to go for a ride. You take her around town and hit a fire hydrant. Will your motor carrier’s insurance pay for the damage? Nope. This is where non trucking liability kicks in.
Non trucking liability insurance is often confused with Bobtail insurance. Learn the difference here: NTL vs Bobtail
Non Trucking Liability Policy Limits
Pay close attention to your limits and make sure you are comfortable with them. A typical non trucking policy will have the following limits:
- Bodily Injury and Property Damage – $1,000,000 (combined single limit)
- Uninsured/Underinsured Motorist- $50,000 (per person)
- Uninsured/Underinsured Motorist- $100,000 (per accident)
What to ask Non Trucking Insurance Companies
- What is your definition of Non-Trucking?
- Are their any non-trucking exclusions that I need to be aware of?
- Can you meet the requirements in my lease agreement?
- What limits do you offer?
- How much can I save by raising the deductible?
Does My Insurance Already Cover Non-Trucking Liability
Motor carriers who provide their truckers with liability usually don’t necessarily include non-trucking liability insurance in their lease agreements. On occasion they do provide this coverage. To be sure whether you need non-trucking liability, consult your lease agreement. This will help you avoid double coverage, and also help eliminate any gaps in coverage that you might have.
It’s quick and easy now for owner operators to get the best deal on their non trucking insurance premiums. Let 3 agents come to you and compete!