If you're under permanent lease to a motor carrier that provides your primary liability coverage, you could benefit from our Non-Trucking Liability (NTL) coverage while using your truck for a non-business purpose.
NTL kicks in when you use your truck on your days off for things like going to the movies, picking up groceries, attending sporting events or visiting friends. It can pay for medical and other expenses associated with injuries to others or damage to other peoples' property that you cause. This endorsement only modifies the liability portion of your policy.
Exceptions and restrictions
NTL doesn't provide liability coverage for business use or when hauling any type of cargo. Driving to and from the terminal, fueling up, traveling for maintenance or vehicle servicing, driving during layovers, dead-heading (driving without a load), and washing your truck all might be considered using the vehicle for a business purpose. These activities typically would be covered by the motor carrier's primary liability insurance.
NTL doesn't apply when you're pulling a loaded trailer, operating on behalf of a trucking company or using a vehicle for any revenue generating purpose. These types of activities are covered by primary trucking liability insurance.
Non-Trucking Liability insurance isn't available on policies with an FHWA (federal/ICC), MCS-90, SR-22 or state filing.
Note - This is a general description of the coverage, and is not a substitute for the policy. The policy contract controls. See your policy contract for details.
Bobtail vs non-trucking liability
Non-Trucking Liability insurance is often incorrectly referred to as bobtail insurance. However, bobtail isn't the same thing as Non-Trucking Liability. Please review your contract or verify with your motor carrier to determine which coverage you need.
Physical damage coverage
If you're an owner-operator driving on lease to a motor carrier who provides your primary liability, you might need to carry your own physical damage coverage to protect your truck.
Why is this? Typically, a motor carrier provides primary liability coverage for owner-operators, but not necessarily physical damage coverage. When you maintain physical damage on your policy, we'll pay for damages to your truck caused by a collision, overturn, theft or natural disaster - even if you experience a total loss. In addition, this coverage isn't bound by any radius restrictions.
Ways to save
- We offer physical damage rates as low as 2.5% of your vehicle's stated amount
- Adjust your deductibles—as low as $100 and as high as $5,000—to meet your needs
We also offer a wide variety of payment options to help you meet the demands of running your business from the road. Get a quote online or call 615-900-0288 to speak to a licensed insurance representative who can help.