What Is Non Trucking Liability Insurance? Explained

Non-trucking liability insurance protects you while driving your truck personally, offering coverage for injuries and property damage to others.

Yet, it doesn’t apply for business use or cargo hauling.

This insurance is often used by those under a permanent lease with carrier-provided liability coverage.

How Does Non-Trucking Liability Insurance Work?

Non-trucking liability insurance safeguards personal or non-business truck driving.

It covers accidents during such trips, providing damage and injury coverage.

Non trucking liability insurance
Non trucking liability insurance: Photo (Insureon)

Many truckers use their vehicles even off-duty, unaware of potential liability risks.

This insurance lets them drive freely for personal errands.

It’s vital for those driving trucks for non-commercial purposes and those required to have it by their carrier leasing agreements. However, it doesn’t cover cargo hauling.

What Does Non-Trucking Liability Insurance Cover?

Non-trucking liability insurance covers physical damage and bodily injury to third parties when you are using your truck for non-business or non-work purposes.

How Much Does Non-Trucking Liability Cost?

This insurance coverage is surprisingly affordable and generally costs about $29-$50 per month. Your total premium cost will depend on the truck you insure, your age, driving history and several other factors. Work with your business insurance agent to get a full view of the cost for this insurance.

What Are the Limits on A Non-Trucking Liability Policy?

The limits for a typical non-trucking policy include a $1 million combined single limit as well as $50,000 per person and $100,000 per accident uninsured/underinsured motorist coverage.

What Are the Exceptions and Restrictions On Non-Trucking Liability?

This insurance does not apply anytime you are pulling a loaded trailer or operating on behalf of a motor carrier. The key differentiator is that you cannot be engaged in revenue-generating activities. If you are engaged in a revenue-generating activity, your primary auto liability insurance applies.

Example of Non-Trucking Liability Insurance Coverage

The following instances are examples of situations where your non-trucking liability insurance would apply.

  • Moving the truck to a location where you can rest after loading or unloading it
  • Driving to restaurants or entertainment off your route
  • Travel from your local terminal to your home residence
  • Moving a vehicle to another location when local authorities require that you do so
  • Transporting personal property

Factors Impacting Non-Trucking Liability Insurance Rates

Just like other liability coverage, your rates depend on your situation and claims history. Consider these elements affecting your insurance costs:

  1. Age and Experience: Older age and more experience reduce risk, leading to lower premiums. Experience matters for accident likelihood.
  2. Vehicle Type: Trailer length, rig type, and truck age affect rates. Older trucks pose mechanical risks, while long trailers impact road visibility.
  3. CDL Years: Holding a recent CDL might categorize you as high-risk, despite personal driving experience.
  4. Personal Driving Frequency: More personal drives mean higher risk for accidents, influencing rates.
  5. Driving History: Your history indicates cautious or accident-prone behavior, affecting rates.
  6. Credit Score: Higher scores mean lower rates, but insurers consider it along with age, claims, and driving record.

Advantages of Non-Trucking Liability

Trucking regulations demand $750,000 minimum coverage.

Benefits of this insurance encompass:

  1. Comprehensive Protection: Peace of mind across all truck operations.
  2. Personal Use: Ability to use the truck personally.
  3. Vehicle Consolidation: Fewer vehicles needed due to dual use.
  4. Broader Coverage: More comprehensive than bobtail insurance.

Drawbacks of Non-Trucking Liability

While non-trucking liability insurance holds advantages, some truckers note a few drawbacks:

Bobtail Insurance vs. Non-Trucking Liability:

Bobtail and non-trucking liability insurance share a similarity: both boost liability coverage. Yet, a crucial difference exists. Bobtail insurance covers third-party liability when your trailer is detached. Non-trucking liability is broader, offering coverage even without a trailer for personal purposes.

Liability Safety for Personal Use

Non-trucking liability assures peace of mind when driving your truck personally. It prevents potential personal-use damage costs.

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