Non trucking liability coverage
NON TRUCKING LIABILITY (NTL)
Non-trucking liability insurance covers medical expenses or property damage incurred while driving a company vehicle for personal use. It's distinct from bobtail insurance, which applies when driving a truck without its attached trailer for work purposes.
Connect with us and explore non-trucking liability insurance options tailored to your business needs. We will guide you through coverage specifics and help you find the right policy. Alternatively, if you prefer an online approach, you can obtain a quote through our site.
What Does Non-Trucking Liability Insurance Cover?
Key coverages available in non-trucking liability insurance for small business owners include:
- Bodily Injury Liability Coverage: Helps with the other driver’s medical expenses if you or an employee are at fault in an accident.
- Property Damage Liability Coverage: Covers damages caused to another person’s property.
- Uninsured/Underinsured Motorist Coverage: Protects you in accidents involving drivers without adequate insurance.
- Medical Payments Coverage: Assists with medical bills after an accident.
- Personal Injury Protection (PIP) Coverage: Covers accident-related expenses, regardless of fault.
Non-trucking liability insurance mirrors coverages found in other commercial auto insurance policies, such as semi-truck insurance. However, it applies only when driving your company truck for personal reasons, unlike policies like semi-truck insurance, which cover work-related driving.
Exceptions and Restrictions
Non-trucking liability insurance only applies when driving your truck for personal use. It excludes coverage for work-related activities like hauling a trailer, where primary liability coverage from your tractor trailer insurance policy applies.
Additionally, it doesn't cover situations where you operate a truck for another company. For such instances, trailer interchange insurance is necessary.
Bobtail vs. Non-Trucking Liability Insurance
Bobtail insurance covers instances when you're driving a truck without its trailer, mainly for work purposes. On the other hand, non-trucking liability insurance provides coverage for personal use of company trucks.
Physical Damage Coverage
If you're an owner-operator under a motor carrier lease offering primary liability coverage, consider adding physical damage insurance. This coverage protects your truck from theft, collisions, and natural disasters, which might not be included in the carrier's primary liability coverage.
Cost of Non-Trucking Liability Insurance
Several factors influence non-trucking liability insurance rates, including your location, industry, type of truck, driving records of your employees, and the types of loads transported.
Contact Us Today!!!
* Not available in all states
Physical damage coverages
Physical Damage
The road poses various risks that can cause damage to your truck, from accidents and natural disasters to theft and vandalism. These incidents can take your truck off the road, creating potential financial loss.
With our Truck Physical Damage coverage, you'll have access to 24/7 collision coverage for your tractor or trailer. Our trucking insurance policies are customizable, allowing you to tailor your coverage to your unique needs. We offer collision and either specified perils or comprehensive coverage, a range of deductible options, and various endorsements like TruXpro and Deductible Buyback.
TruXpro provides additional protection for your personal belongings, equipment, and finances. It includes benefits like Diminishing Deductible, Single Deductible, Downtime/Rental Reimbursement, Personal Effects, Electronic Equipment, and Tarps, Chains, and Binders. Meanwhile, Deductible Buyback can cover deductibles on your behalf, offsetting potentially costly settlements.
Our Trucking Physical Damage insurance policy also includes TruXpro®. This enhancement offers peace of mind knowing that your personal items, equipment, and finances are protected. TruXpro's benefits include a diminishing deductible, single deductible, downtime/rental reimbursement, personal effects, electronic equipment, and tarps, chains, and binders.
Our team of specialized claims handling professionals is available 24/7 to assist you with your claims.
assisting our clients in the trucking & transportation industry since 1994
Keeping it as simple as possible!
Welcome!
If you are interested in obtaining a quote for your insurance needs or just need some information, please do not hesitate to reach out to us.
You may also visit our download section which will give you a helpful guide.