Non-Trucking Liability Insurance
Protects You When You’re Off the Clock!
Non-Trucking Liability (NTL) protects owner-operators when not actually under dispatch. When an owner-operator is under permanent lease to a motor carrier, the carrier’s primary liability insurance typically covers the owner-operator only when driving under dispatch (proof of primary liability insurance is required to purchase NTL).
NTL does not apply when the vehicle is being used to transport any goods/merchandise or while goods are being loaded or unloaded. Uninsured/Underinsured Motorists coverage is also available in conjunction with NTL (UM/UIM protects you if you're involved in an accident with someone who does not have liability insurance or does not have enough insurance to pay for your damages).
Owning a semi-truck and working as an independent contractor, you'll need coverage beyond what your motor carrier offers you. Most of the time when you’re on the clock, you’re covered by the insurance your motor carrier provides. The second you’re off the clock, you’re not covered under that policy. The best way to increase protection for your truck and livelihood is though purchasing bobtail or non-trucking liability insurance.
Non-Trucking Liability Insurance protects your truck on your days off for everyday activities: shopping, attending sporting events, or visiting friends. The coverage can pay for medical expenses along with damage to property.