As truckers, you must decide to get no trucking or non trucking liability insurance. We know you’re thinking getting several insurance coverages for trucks may be an overkill. But in truth, it isn't. Here’s a guide that will tell you why and will further discuss the cost of non-trucking liability insurance, non trucking liability insurance meaning, and more.
So what is non trucking liability insurance? The formal definition goes like this; A non trucking liability policy accounts for bodily injury and property damage a truck, tractor-trailer, or any other power unit caused while not engaged in interstate or intrastate commerce.
Such meaning for what is non trucking liability is very lengthy and complex. But in a nutshell, you just have to understand that non trucking insurance is a policy that applies if a truck, tractor-trailer, or any similar power unit injures someone or damages someone’s property while being used by the driver to do personal errands.
Note that aside from no trucking insurance, non trucking liability is also called ntl insurance. There’s also IRMI that uses the longer term “liability insurance for non trucking use”.
The term “personal errands or personal purposes”, commonly used to describe the situations where non-trucking liability applies, refers to activities that only concern the personal ends of the driver/operator and not the business. A good example is when the driver uses his truck to take kids to school. >
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If you just want to pass DOT inspection and don’t care about getting protection, the best thing to do is to get temporary non trucking liability insurance. A temporary non trucking liability typically lasts for 30 days and offers the same coverage as the standard NTL insurance.
It’s your decision whether you want to get non trucking liability coverage or not. But still, here are some interesting findings that will convince you to get insured:
Accident Analysis and Prevention Journal (1993) - Trucks with no trailers attached are more prone to get involved in accidents than trucks with trailers. Casualty accident risk at night is 1.4 times higher than daytime. Rural areas have 1.6 times higher casualty accident risk than urban areas
MDPS Survey - Trucks have been involved in 10,019 accidents in 1991 wherein 179 casualties were recorded
UMTRI Truck Trip Information Survey - Between 1980 and 1974, there were 17,089 fatal highway accidents recorded, and trucks are one of the major causes
Non trucking liability vs bobtail; Which of these policies suit you better? The answer is there’s no need for you to choose. Allow us to explain why:
Bobtail liability kicks in if a truck, tractor, or other similar power unit is on the way to get another load without a trailer attached and inflicts bodily injuries or property damage to third parties. In this sense, the accident happened while such transport vehicles are engaged in intrastate or interstate commerce with no trailer attached.
Non trucking liability, as we emphasized earlier, kicks in when a truck, tractor, or other similar power unit caused bodily injuries or property damage to third parties while being used by the driver to do personal errands. As compared to bobtail insurance , non trucking liability doesn’t care whether or not there’s a trailer attached.
If bobtail insurance is the only policy in effect, you can’t be covered by your insurance company if you caused an accident while using a truck to pick kids from school, buy groceries, visit your favorite electronics store in a neighboring city, and so on.
On the other hand, when you only have non trucking liability, the insurance company can't also help if you caused damage with your trailerless truck while on the way to pick up goods.
So to set the record straight about bobtail vs non trucking liability, the best thing to do is get both. Bobtail liability insurance will take care of the exclusions in non trucking liability and vice versa.
But note that there’s also a policy that seemingly serves as non trucking liability and bobtail insurance at the same time, which is called unladen insurance.
Freight brokers don’t need to get non trucking liability insurance. The best policy for them is contingent auto liability. In a nutshell, contingent auto liability insurance kicks in when freight brokers are held liable for personal injuries or property damage a motor carrier caused either because the motor carrier in question can’t cover the liability claim using its own policy.
Note that non trucking liability insurance can be added to truckers policy or motor carrier insurance. Trucker insurance or trucking insurance is a policy that explicitly provides coverage for for-hire truckers operating under a regulating authority. Trucking liability insurance policies are general liability insurance, auto liability insurance, and public liability insurance. Carriers also offer trucking umbrella insurance which extend the limits of liability policies for for-hire truckers.
Your trucking authority checklist won’t be complete if you don’t know what motor carrier insurance is. Motor carrier insurance covers private and private-and-for hire motor carriers, which truckers insurance doesn’t cover. Motor carrier liability insurance policies include bodily injury liability and property damage liability as well as other coverages available through MCS 90 endorsement.
The cost of non trucking liability insurance is $31 a month or $372 a year for a $1 million coverage.
For further reference, we included a table showing the cost of the best non trucking liability insurance companies.
| ||Monthly Rate||Annual Rate||Best for:|
|CoverWallet||$23||$276||Non trucking liability insurance quote comparison online|
|Thimble||$39||$468||Non trucking liability insurance with discounted physical damage insurance|
|Progressive||$40||$480||Temporary and cheap non trucking liability insurance|
|Reliance Partners||$45||$540||Non trucking liability insurance which any trucker can easily qualify|
|Great American Insurance Group||$51||$612||Non trucking liability insurance with underinsured/uninsured motorist coverage|
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CoverWallet is the best online quote comparison platform for non trucking liability insurance
Competitive and stable rates
Not an insurance company but an insurance broker offering the non-trucking liability policies of its partners
CoverWallet takes pride in its intelligent automatic quote comparison system you can use to find the best non-trucking liability insurance carriers in the United States. Also, you can buy the policies of CoverWallet instantly if you wish to do so. If you have questions, there’s no need to look for an insurance agent as CoverWallet has a live chat system connecting you to knowledgeable professionals who truly know the risks of your trucking business.
Best for: Non trucking liability insurance quote comparison online
Average cost: $23 per month
Our rating: 10/10
Offers non trucking liability insurance with physical damage coverage
Big discounts on physical damage coverage rates
Has contingent liability insurance for trucking
Non-trucking liability policy has travel distance exclusions
Progressive offers non trucking liability and physical damage insurance. If you choose this company, you’ll enjoy a non-trucking liability with a custom deductible. Progressive allows you to pay a minimum deductible of $100 and a maximum of $5,000. Furthermore, the policy comes with a physical damage insurance discount equal to 2.5% of your truck’s original market value.
Best for: Non trucking liability insurance with discounted physical damage insurance
Average cost: $40 per month
Our rating: 9/10
Thimble offers temporary non trucking liability insurance that lasts for days or weeks only
Customer support is only available online
Thimble is your best pick for temporary non trucking liability insurance. This company offers very cheap rates and it can provide instant coverage. Furthermore, Thimble has other temporary policies that will be useful for your trucking business.
Best for: Temporary and cheap non trucking liability insurance
Average cost: $39 per month
Our rating: 9/10
Seamless insurance application process
Many report that the claims process of Reliance Partners is difficult
Reliance non trucking liability policy fits the needs of all kinds of truckers. This company claims to have a very seamless insurance application process as its agents are always there to help you determine risks to be covered and how much insurance coverage to get.
Best for: Non trucking liability insurance which any trucker can easily qualify
Average cost: $45 per month
Our rating: 7/10
Offers non trucking liability policy with bodily injury coverage and property damage coverage with single limit basis
Customer service can be unresponsive when it comes to resolving disputes
The Great American Insurance Group offers non trucking liability insurance that fits the needs of owner-operators and motor carriers. The policy doesn’t only offer compensation for bodily injuries but also for the hospitalization of the aggrieved party. Furthermore, Great American Insurance Group allows you to add uninsured or underinsured motorist coverage to your non trucking liability insurance as mandated by the state.
Best for: Non trucking liability insurance with underinsured/uninsured motorist coverage
Average cost: $51 per month
Our rating: 7/10
Bobtail insurance provides coverage for trucks, tractor-trailers, or other similar power units with no trailer attached and traveling on the road to haul their next delivery. Non truck liability insurance provides coverage for trucks, tractor-tractor trailers, or other similar power units being used for personal purposes regardless if a trailer is attached or not. Though different, both can be added as liability policies to trucking policy or motor carrier insurance.
So are you ready to get insured? Look for the “Get Quotes” button on this page to start your online quote comparison with our free online quote generator and get covered for less!
Lonnie Bell Insuranker
Policy Type: Business Insurance
Company name: Employers Insurance
Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!