Who needs Non-Trucking Liability Insurance?

Owner-operators and lease drivers who use their trucks for personal reasons outside of business operations need Non-Trucking Liability Insurance.

Does Non-Trucking Liability Insurance cover accidents while hauling cargo?

No, NTL only covers personal use of a commercial truck. If the truck is under dispatch or hauling cargo, primary liability insurance is required.

Non-Trucking Liability Coverage for Owner-Operators

Q: What is Non-Trucking Liability Insurance?

Non-Trucking Liability Insurance (NTL) covers commercial truck drivers when they are using their truck for personal use and are not under dispatch or a bill of lading.

Q: How much does Non-Trucking Liability Insurance cost?

The cost of NTL insurance varies based on factors like truck type, driver history, and location, but typically ranges from $30 to $50 per month.

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Stay Covered Even When You’re Not Under Dispatch

Even when you’re not hauling freight, accidents can still happen. Without non-trucking liability insurance, you could be financially responsible for damages and injuries if you’re involved in an accident while using your truck for personal purposes.

A single mishap could lead to costly claims. Get the right coverage today and drive with peace of mind.

Why Do You Need Non-Trucking Liability Insurance?

Without non-trucking liability coverage, you could be at risk when operating your truck off-duty. This essential coverage:

Protects You During Personal Use

Covers accidents when you’re driving for personal reasons, not under dispatch.

Meets FMCSA & Carrier Requirements

Many motor carriers require owner-operators to carry non-trucking liability insurance.

Affordable Coverage for Owner-Operators

Get protection at competitive rates without overpaying.

Peace of Mind When Off-Duty

Stay insured whether you’re running personal errands or driving home.

Every trucking operation is different, and your policy should match your needs. Let our agents help you find the best non-trucking liability insurance coverage tailored for you.

What Is Non-Trucking Liability Insurance?

Non-trucking liability insurance is a specialized liability policy that covers truckers when they use their vehicles for personal reasons outside of work. This coverage applies when you’re not under dispatch and includes protection against bodily injury and property damage liability.

🚛 When Does Non-Trucking Liability Insurance Apply?

Driving home after a job
Running personal errands in your truck
Taking your truck for maintenance or repairs
Using your truck outside of business operations

🚛 When Does Non-Trucking Liability Insurance NOT Apply?

Hauling freight or making deliveries
Driving under dispatch or work-related purposes
Transporting goods or equipment for pay

This policy differs from bobtail insurance, which covers liability when driving without a trailer under dispatch. Need help choosing the right policy? Call us Now!

How Much Does Non-Trucking Liability Insurance Cost?

The cost of non-trucking liability insurance depends on:

Your Driving Record

Safer drivers get lower rates.

Operating Location

Higher-value trucks may require increased coverage.

Coverage Limits

Higher limits provide better protection but may increase premiums.

Each policy is unique. The best way to find affordable non-trucking liability insurance cost is to speak with our agents for a customized quote.

What Does Non-Trucking Liability Insurance Cover?

Liability for Bodily Injury & Property Damage

Covers expenses if you're responsible for an accident while using your truck personally.

Legal Expenses

Provides financial protection for legal fees and settlements.

Protection When Off-Duty

Ensures coverage when not engaged in business-related activities.

Without proper coverage, you could be personally responsible for accident-related expenses. Protect yourself today!

🚨 Non-Trucking Liability vs. Bobtail Insurance – Know the Difference!

Coverage Type	What It Covers
Non-Trucking Liability (NTL)	Covers liability when using your truck for personal reasons.
Bobtail Insurance	Covers liability when driving under dispatch but without a trailer.

Still unsure which coverage you need? 📞 Call (405) 963-3920 for expert advice.

When Do You Need Non-Trucking Liability Insurance?

If you use your truck for personal reasons, non-trucking liability insurance is essential to avoid costly liability claims. This coverage applies when: