Non-Trucking Liability Insurance

Protect your truck and business with non-trucking liability (NTL) insurance for owner operators. It provides coverage on the miles you put in off the clock so you can keep moving with confidence, even when work isn't on the schedule.

What is non-trucking liability insurance?

Non-trucking liability insurance is coverage for owner operators who work under a permanent lease with a motor carrier. It provides liability protection when your truck is used for non-business purposes, like going to the movies or running to the grocery store. If you get into an accident on one of these personal trips, NTL insurance can pay for injuries to other people or damage to their property.

Talk to one of our experts or start an online quote to learn more about non-trucking liability insurance and other commercial truck coverages.

Why motor carriers often require NTL coverage

Motor carriers often require for-hire contractors to carry non-trucking liability because their primary liability coverage doesn't include the personal use of your truck. NTL provides protection when you're not working and helps you meet the coverage requirements of your lease agreement.

What does non-trucking liability insurance cover?

Progressive Commercial's non-trucking liability insurance can cover liability claims that happen when you're not driving for work. It can help with:

• Bodily injury: Covers medical bills if someone is hurt in an accident.
• Property damage: Pays to repair or replace another person's vehicle or belongings if you accidentally damage them in an accident.
• Legal costs: Includes attorney fees, court costs, and other legal expenses that may come up after a claim.

What isn't covered by non-trucking liability?

While non-trucking liability insurance helps fill the gap in coverage when your commercial truck is being used for personal reasons, it's not all-inclusive. Your NTL policy won't cover:

• Accidents under dispatch, like when you're hauling materials
• The cargo you transport
• Damage to the truck itself

NTL also doesn't include uninsured/underinsured motorist claims, medical payments, or personal injury coverages. These are available separately. If you're not sure what you need, we can help evaluate your business and find protection that's right for you.

Non-trucking liability insurance exceptions and restrictions

Certain regulations limit the use of non-trucking liability. For example, NTL insurance isn't available if:

• You require a federal or state filing
• You're actively driving a truck for another company
• You're part of a trailer interchange agreement

Be sure to review the details of your work contracts to confirm what applies.

What's the difference between bobtail, deadhead, and non-trucking liability?

Although bobtail and deadhead coverages are types of liability insurance, they're not always part of non-trucking liability policies. Consider the following when determining your needs:

• Bobtail insurance covers you when driving your truck without a trailer behind it.
• Deadhead insurance safeguards you when you're driving an empty trailer.
• Non-trucking liability insurance protects you when you use your truck for personal tasks.

How much does non-trucking liability insurance cost?

Your NTL insurance rate is determined by things like your business type, truck, driving history, and location.

Work with one of our specialists to understand how these factors impact your truck insurance cost. Don't forget to ask about vehicle insurance discounts to see what you can save.

Why choose Progressive Commercial for NTL insurance

As the #1 commercial truck insurer in America,^Δ owner operators and trucking businesses trust Progressive Commercial to provide comprehensive insurance solutions, competitive pricing, and unmatched service.

Give us a call to learn more about the truck insurance coverages we offer or start a non-trucking liability insurance quote online.