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Best Non Trucking Liability Insurance Companies
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 to discuss the cost of non-trucking liability insurance meaning, and the policy covered.
A non trucking liability Insurance policy 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.
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”.
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.
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.
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.
For further reference, we included a table showing the cost of the best non trucking liability insurance companies.
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 liability insurance policies include bodily injury liability and property damage liability as well as other coverages available through MCS 90 endorsement.
Get all the best quotes from leading providers in a click of a button!
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. CoverWallet has a live chat system connecting you to knowledgeable professionals.
Average cost: $23 per month
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.
Average cost: $40 per month
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.
Average cost: $39 per month
Reliance non trucking liability policy fits the needs of all kinds of truckers. The 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.
Average cost: $45 per month
Average cost: $51 per month
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
9.4 / 10
Fastest ever online insurance quote and purchase! Also, great rates and professional customer reps that helps with whatever you need, if you need. Nice company!
2.8 / 10
Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be... Read More
2.8 / 10
Great platform. Terrible policy. There is no teeth behind it. No coverage. It's a fake policy that they sell. Sold us an EPLI policy that later we came to find out had no EPLI coverage. Amazing that they can get away with outright fraud. Check the positive reviews. They are all 'Anonymous' posted by Emroker staff. Stay away and find a real policy that will actually provide you coverage. We've been bitten by them and hope to find restitution via a lawsuit.
Paul Burns Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
It has been 70 days since I made a claim on the roof of my building. No one from the company will return calls. We are in hurricane season and located in Louisiana. My building is tarped to secure it.
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
They are the worst, my truck was hit in January 23 and the claim adjuster has not been out to this very day! They have every excuse in the book as to why. They have not been to the collision shop. PLEASE AVOID THESE SCAM ARTIST!
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!
Kasey Arey Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
This company gives you a price that was in place for a year and when you have to use it there is fine print were they can go back and charge you more. Would not recommend them to any one. Crooks
John Murphy Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Worst insurance comapny I have ever dealt with. A commercial vehicle represented by GUARD t boned my wife and daughters family vehicle in the middle of the day. Driver was cited and insurance claim insued. Fast forward 4 months and refusal of full amount of claim is still happening. Driver was found guilty, repairs started on my vehicle and when it comes to the final bill and diminished value we cannot get any help. I am out a family car, have an injured and traumatized wife and children,... Read More
Harshadray Patel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Extremely bad service, when you call , will make you wait on the phone for ever (over an Hour) and still no one to answer , so you end up hanging up. To cancel the policy, bounce you from one department to the other. They are supposed to refund from the date other insurance started and after sending the proof of other insurance policy, still they did not refund based on that actual date instead they use the date i managed to get hold of them. They charged me $7000.00 for a year's insurance on... Read More
Aaron Wensel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Guard Insurance is terrible. They were so bad I cancelled them because them couldn't figure out why I would never get a paper copy of the bill . Verified my address with them and still intermittent billing. I cancelled them in March through my local broker. Today 6/27 I get a letter in the mail from a collections company saying I owe 87.97. This was the first myself or my broker heard of owing this money. Here is some advice for this failure of a company send me a god damn bill and I will pay.... Read More
Michael Swink Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
My employer had to have workers compensation by law. He obtained a policy through this Berkshire Hathaway GUARD and they failed me. I fell from a ladder and fractured my spine in 7 different places, my clavicle in 4 places, and the base of my skull. Going to my Dr visits I was prescribed medication for pain and the insurance company placed a pre-authorization hold on me picking up the medication from Walgreens. The hold lasted 5 days! My weekly benefits have never been on time, right now... Read More
10 / 10
Liberty Mutual is one of the more simple companies to deal with. I had to file a claim for my business owner policy after I caught one of my employees stealing a large amount of products from my business. Liberty mutual paid the claim fast and with no efforts. I wish the legal process was as easy…
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
9.4 / 10
Very pleased with Hiscox - their small business insurance rates are very good and they specialize in small business which gives me a peace of mind as a small business owner. So far so good!
10 / 10
Their customer service is absolutely fantastic. Very patient, knowledgable and provided excellent explanation of the purchased policy. I would highly recommend this insurance company to anyone that's looking to protect their business from unexpected expense. Thank you Hiscox for doing a great job for my business!
0.6 / 10
STAY AWAY! I wouldn't recommend hiscox small business liability insurance to anyone. Better not waste both your money and your time. Hiscox customer service is extremely unpleasant, not organized and not professional. It is the worst company we have dealt with in almost 25 years in business!
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Extremely fast and simple. Wasted a lot of time and money until I found these guys! I feel like my business is in good hands now.
10 / 10
Hiscox's the best! My business is insured with them for over 12 years and am not planning to switch!
10 / 10
Excellent experience with Hiscox BOP for my coffee shop. They provided all it needed.
10 / 10
My HI barbershop is well covered with their great BOP product for 5 years already! not planning to switch!
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
10 / 10
Great experience
6 / 10
Didn't relate to the concept much, but it makes sense if you need insurance to go
0 / 10
It doesn't really feel sustainable to me and doesn't offer business interruption, product liability and commercial property insurance. They have no local agents and despite their technology first approach you cannot file claims online. Additionally, product manufacturers are not covered by Thimble and they don't provide enterprise solutions.
10 / 10
As a contractor that works 3 times a week for a few hours, Thimble gets really handy for me and saves me money. I have no use for these massive business insurance coverages offered by traditional insurance companies.
10 / 10
Excellent concept which is useful to many small businesses!
10 / 10
Been waiting for this type of solution for a long time!
10 / 10
Love their business insurance solutions for freelancers! Great app!
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