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What is Non Trucking Liability Insurance?
Definition – Non Trucking Liability Insurance covers truckers 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 with an NTL policy.
Note: Non trucking liability insurance is often confused with Bobtail insurance. Learn the difference here: NTL vs Bobtail Non-trucking Liability is also often bundled with physical damage insurance. We can connect you with agents who offer both coverages.
Non Trucking Liability Examples
What’s an example when you would need non trucking liability coverage?
- 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.
- Hot Shots- Since hotshots often use pickup trucks, there is a good possibility that they will be using the truck for non-business purposes, like getting groceries or recreational uses on the weekend.
- Temporary Insurance – Let’s say you just bought a new Kenworth, and are starting your lease agreement in a couple of weeks. You need to be able to drive the truck home from the dealer, so an NTL policy would be a good way to get inexpensive insurance to drive your truck home.
How much does Non-Trucking Liability Cost?
Thankfully these premiums are not too expensive. You can find these for $29-$50 per month. Truckers that need NTL usually need to get physical damage, and sometimes cargo too. So when getting all the coverages as a package will usually range from $1,500-$3,500. This largely depends on the value of your equipment and whether you need cargo insurance or not.
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?
- Do I really need bobtail or will an NTL policy keep me covered?
- 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!
