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Commercial Auto Liability for truckers is broken down into Primary Liability or Non Trucking Liability. Either Liability is designed to cover you when youve hit someone or something with your truck. But NTL is liability insurance coverage for Non-Business related activities.
AN EXAMPLE OF NON-TRUCKING USE COVERAGE Heres an example of when Non-Trucking Use insurance would apply: A driver takes a tractor to pick up some groceries and runs a stop sign, hitting a car. Since he is not driving for business purposes, the accident is not covered under his motor carriers Auto Liability policy.
If youre 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.
Most truck drivers will be driving their truck with the trailer attached while on a business trip. Bobtail coverage will protect your tractor in the instance you are driving it without your trailer attached (i.e. bobtailing or deadheading).
What Is Bobtailing? A bobtail truck does not have a trailer attached. Bobtailing, by definition, means driving a cargo-carrying truck (semi-truck) without a trailer. Bobtailing often happens when a contracted truck driver is first sent out from dispatch to their pick up site. What Is A Bobtail? - Trucker Terms - Simple Definitions wewin.com glossary bobtail wewin.com glossary bobtail
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Non-trucking liability insurance is a liability that covers when you use your business truck for personal use like going to the bank, grocery store or your kids special events. Since you are not driving for business purposes, there is no coverage under your truckers liability or business auto policy.
Youre driving to pick up your next load and blow a tire, causing you to sideswipe another car. Bobtail insurance will pay to repair the property damage to the other persons vehicle, their medical expenses, legal fees, and even the costly settlement if they sue you. Bobtail Insurance vs Non-Trucking Liability Insurance - Tivly Tivly bobtail-insurance Tivly bobtail-insurance
AN EXAMPLE OF NON-TRUCKING USE COVERAGE A driver takes a tractor to pick up some groceries and runs a stop sign, hitting a car. Since he is not driving for business purposes, the accident is not covered under his motor carriers Auto Liability policy.
Rates for a commercial auto policy tend to be more expensive than personal policies due to businesses being at risk of higher liability and property damage claims while transporting/delivering people, goods, or supplies.
Do I need non-trucking liability insurance? Typically, youre covered by the motor carriers liability insurance only when youre under dispatch. You should have non-trucking liability insurance if youre ever driving for non-business purposes. Be sure to discuss this coverage with the company youre leased onto.

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