CONCORDE BROKERAGE OF L.I. LTD.

CONCORDE BROKERAGE OF L.I. LTD.CONCORDE BROKERAGE OF L.I. LTD.CONCORDE BROKERAGE OF L.I. LTD.

516-764-9100

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CONCORDE BROKERAGE OF L.I. LTD.

CONCORDE BROKERAGE OF L.I. LTD.CONCORDE BROKERAGE OF L.I. LTD.CONCORDE BROKERAGE OF L.I. LTD.

516-764-9100

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non trucking liability insurance trucking insurance physical damge

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:

  1. Bodily Injury Liability Coverage: Helps with the other driver’s medical expenses if you or an employee are at fault in an accident.
  2. Property Damage Liability Coverage: Covers damages caused to another person’s property.
  3. Uninsured/Underinsured Motorist Coverage: Protects you in accidents involving drivers without adequate insurance.
  4. Medical Payments Coverage: Assists with medical bills after an accident.
  5. 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.


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* Not available in all states

 

Truck delivering freight to a destination.

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. 


Text us now, non trucking & physical damage insurancE

Non Trucking Liability or physical damage request

Interested in receiving a quote, please fill out the form below and email it to us at quotes@cbli.net or easily add the attachment containing your information in the "Contact Section" provided below. 

NON TRUCKING & PHYSICAL DAMAGE INDICATION (pdf)

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CONCORDE BROKERAGE OF LI LTD

1745 Merrick Avenue North, Merrick, New York 11566, United States

516-764-9100 quotes@cbli.net Give us a shout!!!

Hours

Mon

09:00 am – 05:00 pm

Tue

09:00 am – 05:00 pm

Wed

09:00 am – 05:00 pm

Thu

09:00 am – 05:00 pm

Fri

09:00 am – 05:00 pm

Sat

Closed

Sun

Closed

assisting our clients in the trucking & transportation industry since 1994

Great American Insurance Group’s roots go back to 1872, Rated A+ Superior
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