NON-TRUCKING LIABILITY INSURANCE

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What is Non-Trucking Liability Insurance (NTL)?

Non-Trucking Liability coverage is a coverage that is meant to protect motor carriers when they use their vehicle for personal use. This means that they are not hauling a trailer with commodities loaded onto it.

This type of insurance provides coverage for bodily injury and property damage done to others.

Who Needs Non-Trucking Liability Insurance and Why?

While this coverage is not mandatory, if you are operating under another’s authority, the motor carrier with the authority will more than likely require you to carry this insurance coverage.

It’s also a good idea to have this coverage if you are planning to use your commercial vehicle for personal use, just in case.

Non-Trucking Liability Insurance VS. Bobtail Insurance

Non-Trucking Liability (NTL) can sometimes get confused with another type of coverage known as Bobtail coverage. This is because both of these coverages involve operating a power unit while not attached to a trailer or hauling commodities.

These two coverage are still very different coverages as Non-Trucking Liability will only kick in if you are not operating the vehicle for business purposes and Bobtail Coverage will only apply when you are operating for business purposes, but are not carrying a trailer or a commodity. This usually occurs when you have just dropped off your current shipment and are on your way to pick up your next.

What Non-Trucking Liability Insurance Covers

This covers bodily injury and property damage done to others while operating your commercial vehicle for personal use only.

What Non-Trucking Liability Insurance Doesn't Cover

This coverage will not cover:

Bodily Injury and Property Damage to others while the vehicle is being used for business purposes
Damage to your vehicle
Damage to your cargo
Damage to the operator of the vehicle

What Non-Trucking Liability Insurance Limits You Need

Typically, owner-operators will acquire a non-trucking liability limit if $1,000,000 Combined Single Limit (CSL)

How Much Does Non-Trucking Liability Insurance Cost?

Because this coverage will only apply to personal use of a vehicle, and most of the driving will be done for business purposes, this coverage costs a lot less than other liability insurance policies. Non-Trucking Liability policies will typically cost about $480 annually.