Non-trucking liability insurance
Liability coverage that may apply when a truck leased to a motor carrier is not being used for business. Whether it applies depends on your policy and the circumstances.
What non-trucking liability covers
Non-trucking liability, often called NTL, is liability coverage for a truck that is leased to a motor carrier when it is not being used for the carrier's business, for example when you are driving it for personal use. Bobtail coverage is similar and can apply when you are driving without a trailer, depending on the policy.
Coverage names and exact terms vary by carrier, so we check the definitions with you. It does not cover your own truck, the freight or harm you cause while under dispatch.
| Coverage | What it protects |
|---|---|
| Primary liability | Injury and property damage you cause to other people |
| Excess liability | Extra liability limits above your primary policy |
| Motor truck cargo | The freight you are hauling |
| Physical damage | Your own tractor, trailer or box truck |
| Trailer interchange | Trailers you pull that belong to someone else, under a written agreement |
| Workers' compensation | Injuries to your employees, where required and available |
Who needs non-trucking liability
It is often asked for by owner-operators who lease their truck to a motor carrier. While you are under dispatch, the carrier's liability coverage usually applies, which is why this coverage addresses the time you are not.
If you operate under your own authority, primary liability usually applies instead. We will tell you what fits how you run.
What affects the cost
No two quotes are the same. We compare options from multiple carriers so you can see the trade-offs.
- Your operation and how you lease
- Your drivers and driving records
- Limits and deductibles you choose
- Your claims history
- The carrier and policy terms
Other coverages we offer
Browse another coverage, or get a quote and we will help you choose.
Trucking
Commercial
Non-Trucking Liability questions
Quick answers before you request a quote.
Is non-trucking liability the same as bobtail?
Not always. The terms differ by carrier, and the names are sometimes used for similar coverage. We explain the definitions in your policy.
Does it replace primary liability?
No. If you operate under your own authority, you need primary liability. We tell you what applies to your setup.
Do I need it if I lease to a carrier?
Often it is asked for or recommended, because the carrier's coverage usually applies only under dispatch. Ask us about your situation.
Does it cover my truck?
No. Damage to your own truck falls under physical damage coverage.
What do you need to quote it?
Details of your lease, your equipment, drivers and claims history.
Ready for a trucking quote?
Tell us about your operation and an advisor will follow up during business hours.