Problem
Solution
Even when you're not hauling freight, accidents can still happen. If you're driving your truck for personal use and aren't covered by your motor carrier's policy, you could be responsible for costly third-party claims.
Without the right protection, those expenses can become a significant financial burden.
Non-Trucking Liability Insurance helps provide liability protection when you're using your truck for personal purposes outside of work. It helps cover eligible third-party claims, giving you greater peace of mind when you're off duty.
Non-Trucking Liability Insurance Coverage
Non-Trucking Liability Insurance helps protect owner-operators when their truck is being used outside of business operations. It focuses on personal use—not commercial hauling or dispatched work.
Personal Use Protection
Third-Party Liability Coverage
Provides liability coverage when you're driving your truck for personal reasons and not under dispatch. Coverage may help protect you during:
Personal errands
Trips between home and other
locations
Recreational travel
Non-business driving
Other eligible personal use
If you're involved in a covered accident during personal use, this coverage may help pay for:
Bodily injury claims
Property damage claims
Legal defense costs
Covered settlements
Eligible third-party liability expenses
When Does Non-Trucking Liability Insurance Apply?
Non-Trucking Liability Insurance applies only when your truck is being used for personal purposes—not while hauling freight, under dispatch, or performing business-related activities. Understanding this distinction helps ensure you have the right protection for every mile you drive.
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General Liability FAQs
What is Non-Trucking Liability Insurance?
R: Non-Trucking Liability Insurance helps protect owner-operators against covered third-party liability claims while using their truck for personal, non-business purposes. It does not apply during commercial operations or while under dispatch.
What's the difference between Non-Trucking Liability and Bobtail Insurance?
R: Although they're often confused, they aren't always the same. Non-Trucking Liability generally applies when the truck is being used for personal reasons, while Bobtail Insurance typically covers liability when operating without a trailer during work-related activities. Coverage may vary by insurer.
Do I need Non-Trucking Liability Insurance if I'm leased to a motor carrier?
R: Many leased owner-operators choose Non-Trucking Liability Insurance because their motor carrier's liability policy may only apply while they're working under dispatch. This coverage helps provide protection during eligible personal use.
