Non-Trucking Liability
Non-Trucking Liability insurance provides coverage when operating your truck for non-business purposes.
What Is Non-Trucking Liability Insurance?
Non-Trucking Liability Insurance (NTL) covers any damages you might pay in the case of an accident that results in bodily injury or property damage while operating your truck in a non-trucking capacity. In other words, using your truck for any personal needs.
When NTL Covers You
Grocery Shopping
Visiting Friends
Going to the Movies
Attending Sporting Events
Non-Trucking Liability Insurance, commonly referred to by drivers as “bobtail,” covers what most motor carriers’ primary insurance does not.
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How Non-Trucking Liability Insurance Protects Owner-Operators
Non-Trucking Liability Insurance (NTL) includes coverage for the following if you were at fault in an accident while driving for personal use:
- Third-Party Bodily Injury: NTL can cover associated costs due to injuries.
- Third-Party Property Damage: NTL can cover another person’s damaged vehicle, building or other property.
- Legal Defense Costs: NTL can cover defense and legal fees in the event of a lawsuit.
Required by Most Motor Carriers
Non-Trucking Liability Insurance, commonly referred to by drivers as “bobtail,” closes the gap between primary liability insurance that motor carriers provide to leased-on drivers and what that insurance does not cover. Many motor carriers require owner operators to maintain Non-Trucking Liability coverage.
Non-Trucking Liability Insurance FAQs
When Are Drivers Covered Under Non-Trucking Liability Coverage vs. a Motor Carrier's Primary Insurance?
Non-Trucking Liability Insurance covers drivers when they are “off the clock” and not performing any business-related activity.
What are examples of what Non-Trucking Liability does not cover?
Non-Trucking Liability will not cover any business use or activities. It also does not cover cargo or damage to your own truck. That is why owner-operators often need Physical Damage Insurance, too.
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