Non Trucking Liability Insurance

Non-Trucking Liability which is very different from Primary Auto Liability and Bobtail, provides you coverage while you are not under dispatch. Primary Auto Liability is usually covered with whomever your written-lease agreement is with currently. Bobtail is often mistaken as Non-Trucking Liability, so it is best to check with your motor carrier to see which best suits you.

NTL is a great gap filling coverage which can minimize potential risk to the Primary Auto Liability policy, while keeping your unit protected for non business use. In most cases, the required limit of coverage for NTL will be 1,00,000 CSL (Combined Single Limit).

Physical damage coverage

An owner-operator that is leased to a motor carrier that provides your Primary Auto Liability, might not provide you with physical damage coverage for your tractor. Getting physical damage coverage can cover you for a variety of things including overturn, collision, theft and natural disaster.

Differences between Bobtail & Non-Trucking Liability

The term Bobtail or also known as Bobtailing is generally describing a truck tractor that is driving without a trailer attached. Covering the trucker and the unit that is traveling from one place to another for business purposes would fall under Bobtail coverage. Operating the unit for non business or personal use would fall under the term Non-Trucking Liability.

Questions regarding Non Trucking Liability & Bobtail

How much is non trucking liability insurance?

Non-Trucking Liability insurance can typically run you anywhere from $100-$500 dollars a month. Remember, no coverage is a one size fits all. There is many rating factors that go into determining your Non Trucking Liability Insurance rate including the following.

What insurance do owner operators need?

There are several different types of coverage for owner operators. Most common coverages that are needed for owner operators are…

  • Primary Auto Liability
  • Physical Damage coverage
  • Motor Truck Cargo Insurance
  • General Liability Insurance
  • Uninsured Motorist Insurance

Primary Auto Liability

Primary Auto Liability consists of two components which are included together, bodily injury liability insurance and property damage liability insurance. Primary auto liability coverage covers injuries or damages to other people or property if you’re at fault for an accident.

Physical Damage coverage

Physical damage is a term for a group of coverages that protect your tractor. Making sure you have comprehensive and collision can protect your vehicle if colliding with another object or overturns and rolls.

Motor Truck Cargo Insurance

Motor Truck Cargo Insurance provides insurance for the commodity that is hauled by a trucker. Covering your cargo that is lost or damage due to many causes such as fire, collision, theft, and more.

General Liability Insurance

General Liability Insurance also referred to as business liability insurance, is coverage that can protect you from a variety of claims. Quotes usually include:

  • Bodily injury and property damage
  • Medical payments
  • Damage to premises
  • Products completed operations

Uninsured Motorist Insurance

An uninsured motorist is someone without auto insurance. This coverage can help you pay for damages caused by a driver who has no insurance. This is a coverage you will want to consider getting operating a commercial vehicle.

How much is non trucking liability insurance?

Non-Trucking Liability insurance can typically run you anywhere from $100-$500 dollars a month. There is many rating factors which include vehicle value, location, driving history, and CDL experience.

How does bobtail insurance work?

Bobtail insurance provides coverage while the trucker is traveling from one place to another for business purposes.

What insurance do owner operators need?

The most common types of coverage include Primary Auto Liability Insurance, Physical Damage coverage, Motor Truck Cargo, General Liability Insurance, Uninsured Motorist Insurance.

Why is it called bobtailing?

Bobtailing is referring to a truck tractor that is traveling without a trailer attached.

If you’re looking to get started with your commercial trucking operation or have been an owner operator for many years, and needing proper insurance coverage, contact Russell Agency. We have over 30 years of Trucking and Transportation industry knowledge wanting to provide the coverage you need, with the service you want!

Get a Quote or call for expert help.

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