Non-Trucking Liability Insurance: Essential Coverage for Independent Semi Drivers

06/28/2024 Written by: AP Transportation

What Is Non-Trucking Liability Insurance?

Non-trucking liability insurance is specifically designed to protect independent semi drivers when they are operating their vehicles outside the scope of their lease agreement with a motor carrier. This type of coverage is crucial for drivers who find themselves behind the wheel without a trailer and on personal time. Unlike standard trucking policies, non-trucking liability insurance does not cover drivers while they are under dispatch.

Key Points to Know:

  • Non-Trucking Liability is usually required by the motor carrier when you have signed a lease agreement.
  • This insurance fills a potential gap for non-business use of the equipment and helps to protect the motor carriers' primary liability policy.
  • As part of a Non-Trucking Liability insurance policy, there are additional coverages you might consider.

Ready for insurance coverage that protects you and your business?

Why Do You Need Non-Trucking Liability Insurance?

As an owner/operator, the motor carrier's commercial auto liability policy will cover you while under dispatch, which includes the return trip to the point of origin. However, your personal liability needs extend beyond these duties. Non-trucking liability insurance covers instances when you're not under dispatch but are still using your truck. This insurance protects you in situations where you might cause property damage or injuries during personal use, making it an essential part of protecting your investment and livelihood.

When Does Non-Trucking Liability Coverage Apply?

Non-trucking liability coverage kicks in for non-business use of your truck. The motor carrier's liability policy will typically cover you from dispatch through the entire delivery cycle, including the return to the point of origin. Any personal use between returns and the next dispatch generally falls under non-trucking liability insurance. Remember to discuss your policy's specific exclusions and terms with your insurance agent to understand your coverage fully.

How to Obtain Non-Trucking Liability Coverage

Your best bet for obtaining non-trucking liability insurance is through an experienced trucking insurance advisor. Coverage limits are usually up to $1,000,000 in combined single limits. Quality insurance providers offer different payment plans and ensure continuous coverage until cancellation. They can also bundle non-trucking liability insurance with additional coverages, such as:

  • Physical Damage
  • Occupational Accident
  • Rental Reimbursement
  • Declining Deductible
  • Electronic Equipment
  • Ready to Secure Your Coverage?

Don't wait until it's too late. Protect your truck, your business, and yourself with a policy that suits your needs. The AssuredPartners team is ready to guide you through the process and ensure you get the best coverage possible.

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