Non Trucking Liability Insurance

Introduction

Non-Trucking Liability insurance is a type of truck insurance that is designed for owner-operators and leased drivers who operate their trucks for personal, non-business purposes when not under dispatch.

This coverage is essential for protecting the driver's liability when the truck is used off-duty, such as running personal errands or traveling without a trailer attached.

This insurance covers liability claims for property damage or injuries to others in an accident during these non-commercial use times. It does not cover business use of the truck, for which primary liability insurance is required. 

Non trucking liability insurance coverage 

Importance of Our Insurance Services

Off-Duty Coverage

It protects you when driving your truck without a trailer for personal use. It's crucial when you're not under dispatch, ensuring you're covered 24/7.

Financial Protection

Covers legal and settlement costs if you're involved in an accident while using your truck for non-commercial activities. This means you won't have to pay out of pocket for damages or injuries you may cause to others.

Compliance and Peace of Mind

Many motor carriers require leased operators to have non-trucking liability insurance. Our services keep you compliant and give you peace of mind during your off-duty hours.

Customizable Policies

We understand that every driver's needs are different. Our insurance can be tailored to match your specific requirements, ensuring you only pay for what you need.

Easy Claims Process

Our straightforward claims process ensures that you get the support and assistance you need when you need it. Fast and efficient, our team is here to help you through every step.

Who Needs Non Trucking Liability Insurance?

This insurance is crucial for anyone who uses their commercial vehicle for non-business purposes to ensure they are protected against liability claims for bodily injury or property damage to third parties. It is specifically designed for:

Owner-Operators

Individuals who own their trucks and operate under their authority, particularly when they are not under a lease agreement with a motor carrier and are using the truck for personal reasons.

Leased Operators

Truck drivers leased to a motor carrier. When the driver is not under dispatch or performing duties related to the lease, this insurance provides necessary coverage for any liabilities that may occur during these off-duty periods.

Part-Time Truck Drivers

Those who might use their commercial vehicle for personal use during their off days or when they are not engaged in commercial activities.

Cost for Non-Trucking Liability Insurance 

The cost of this Insurance can change based on several factors:

1. Driving Record: Cleaner records lead to lower costs; issues like accidents raise them.
2. Truck's Value: More expensive trucks cost more to insure.
3. Coverage Limits: Higher protection levels increase the premium.
4. Deductible: Choosing to pay more when a claim is made can lower your premium.
5. Location: Operating in areas with more risks can increase insurance costs.
6. Use Frequency: Less frequent use for non-business purposes might lower the cost.

Prices vary from a few hundred to over a thousand dollars annually.

Why Choose Us? 

• We specialize in trucking insurance, offering competitive rates, comprehensive coverage, and expert advice.
• Our dedicated team understands the trucking industry's nuances, ensuring you receive the best protection for your off-duty driving.

Reach Us Today

Protect yourself and your livelihood with Non-Trucking Liability Insurance. Get in touch with us today to learn more and get a quote. Call +18888626750