Unladen liability insurance or unladen liability policy is often confused with non trucking liability insurance and bobtail liability insurance . In truth, this policy is very different from the two policies we mentioned. To shed better light on this matter, we’ll answer your questions such as what is unladen insurance and how much does it cost as well as what are the best unladen insurance companies, and more!
The International Risk Management Institute defines unladen insurance policy as a, “ motor carrier or trucking liability coverage while a truck is operated with an attached empty trailer that is not hauling cargo (i.e., deadheading) or without any trailer (i.e., bobtailing), regardless of whether the truck is dispatched or not. Often used interchangeably with "bobtail " or "non-trucking liability, " but unladen liability has a broader scope since it includes both liability for deadheading or bobtailing regardless of dispatch status”. > Though complex, IRMI’s unladen insurance definition tells us that unladen insurance is:
A policy that offers protection for trucks with an attached empty trailer or not attached with a trailer
Unladen liability insurance has a broader scope than bobtail insurance or non trucking liability insurance
But here’s a simpler answer as to what is unladen liability insurance; Unladen liability coverage provides protection from any legal and financial responsibility to third parties when low bed trucks, semi-trucks, box trucks or any other similar power units - not pulling a trailer or pulling an empty trailer - caused an accident while being used for personal errands or for business purposes. This unladen insurance meaning points out the following important aspects about what does unladen insurance accomplish for the policyholder:
Unladen insurance coverage can be used to cover low bed trucks, semi-trucks, box trucks, or any other power unit capable of pulling a trailer for interstate or intrastate commerce
Unladen insurance provides coverage for the legal and financial responsibility to third parties resulting from an accident
Coverage only applies when such an accident happens while the vehicle in question is not pulling a trailer or pulling an empty trailer and is being used for business purposes or personal purposes.
Also read: Tractor Insurance
The term “business purposes” in commercial unladen insurance pertain to activities linked to business operations. On the other hand, “personal purposes” are those activities that only concern the ends of the person operating the truck. Here are some examples:
Business purposes - The truck is being driven by the driver, with an empty trailer attached or without a trailer attached, to get the next goods to be delivered
Personal purposes - The truck is being driven by the driver, with an empty trailer attached or without a trailer attached, to visit parents, fetch kids at school, or go to the nearest grocery store
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Now that you know what unladen insurance is, let’s talk about the things you have to think about when planning to purchase unladen liability insurance.
It’s important to inquire if there are limitations based on the radius of operations. In a nutshell, radius of operations is the distance a vehicle is covering during intrastate or interstate commerce. Note that some unladen insurance companies put exclusions on their policy based on this. For example, a company might deny your claim if the accident happened 1,000 kilometers away from the terminal.
Next, ask if you can treat unladen insurance as an automobile insurance unladen rider. Basically, what this means is that you can add it to your existing commercial auto insurance policies.
The third consideration is whether or not the unladen insurance company can cover your truck against physical damage. Note that, while this is not common, you can still find unladen insurance coverage that comes with comprehensive auto insurance or auto physical damage insurance.
Last and most important, see to it that you can instantly get an unladen liability insurance certificate the moment you get insured. Let’s discuss what is an unladen liability insurance certificate and why it’s important in the next section.
Also read: Heavy Equipment Insurance
Again, what is an unladen insurance certificate? To make it short, this is a document that proves you have an unladen insurance policy in force. Reflected on this are essential pieces of information such as:
Your policy number
Date when the policy started and when it will end
The number of vehicles covered
How much coverage you have
Is an unladen certificate of insurance important? For sure. Understand that a client will not sign a contract with you if you can’t show this document.
Remember that a certificate of insurance is free. And so, if your carrier asks for a fee the moment you request to get a copy, report them to the nearest department of insurance in the locality.
Also read: Dump Truck Insurance
Unladen insurance is not commonly offered as an inclusion in a business owner’s policy. However, it can be included with other types of commercial auto insurance in a motor carrier policy. It is also available through a custom business insurance plan.
The protection that unladen insurance provides might be obsolete for your business. This is why insurance companies offer less comprehensive options namely bobtail liability insurance and non-trucking liability insurance.
Bobtail liability insurance is a type of insurance for motor carriers and owner-operators that covers bodily injuries and property damage caused by a semi-truck or any other power vehicle not pulling a trailer but on the way to get another load.
Nontrucking liability insurance covers personal injuries and property damage caused by a semi-truck or any other power vehicle pulling a trailer or not pulling a trailer that is currently used by the driver for personal errands. In simple terms, non-trucking liability insurance covers accidents caused by a semi-trailer or any other related machines not used for business purposes.
Aside from unladen insurance, you might also find the following insurance policies useful for your business.
Personal injury protection covers the driver and passengers who got injured after the semi-truck or any other similar commercial vehicle caused an accident or got involved in an accident. This insurance will pay for medical bills, lost wages, transportation fees, ambulance bills, emergency treatment, and more. Personal injury protection can be bundled with unladen coverage in a motor carrier policy.
Medical payments (MedPay) - MedPay also covers the driver and passengers of a semi-truck. However, it is least comprehensive when compared to personal injury protection because it only covers medical expenses and funeral costs. MedPay can be bundled with unladen coverage in a motor carrier policy.
Emergency roadside assistance coverage is very useful for the owners of semi-trucks and other similar power vehicles. This coverage, which can be bundled with unladen insurance in a motor carrier policy, will cover the expenditures for battery jump-start, tire repair, gas delivery, tire delivery and replacement, and more.
Physical damage coverage covers the parts repair or replacement of the semi-truck or any other commercial vehicle that an owner-operator or motor carrier owns. It has two types - collision and comprehensive. Collision physical damage coverage will cover costs if a commercial vehicle incurred damage after colliding with a vehicle or an object. On the other hand, comprehensive physical damage coverage will cover parts repair or replacement if the commercial vehicle becomes damaged due to fire, theft, vandalism, and other covered perils
Insurance companies offering coverage for for-hire motor carriers allow motor truck cargo insurance to be bundled with unladen insurance. Motor truck cargo insurance allows an owner-operator or for-hire motor carriers to reimburse the losses of clients whose cargo got lost or damaged during the trip as caused by malicious mischief, fire, and other covered perils.
Just like unladen coverage, workers' compensation insurance is very useful for motor carriers and owner-operators. This provides protection against the resulting expenses when a work-related injury or illness happens. The coverage of workers' compensation insurance includes the following:
Medical treatment/procedure - Workers' compensation insurance helps motor carriers or owner-operators cover the cost of surgeries, therapies, and other treatments or procedures the employee needs to recover from a work-related injury or illness
Hospitalization - Workers' compensation insurance covers hospital bills if an employee needs intensive care. Coverage applies regardless of how costly hospital fees are and where the employee is admitted
Medication - Expenses for the medicines the attending physician wants the employee to buy is also covered by workers' compensation insurance
Rehabilitation - Workers' compensation insurance covers expenses for therapists’ services, equipment, and others if an injured or sick employee needs to undergo rehab to fully recover
Lost income compensation - Workers' compensation insurance compensates lost income if an employee can’t go to work because of a work-related injury or disease. Compensation for lost income is a weekly allowance equal to two-thirds of the average weekly wage
Death benefits - If an employee dies because of a work-related injury or disease, workers' compensation insurance covers funeral expenses and provides cash aids to the deceased’s dependents
So how much is unladen liability insurance? Before telling you the estimates, know that the rates of unladen insurance depend on different factors. Such factors that affect unladen liability insurance cost are:
Specialty driving license or certificate (affects cost because having a specialty driving license or certificate affects your eligibility for discounts)
Radius of operations
Type of business operations - interstate or intrastate
Types of goods to deliver
Refer to this bullet showing what does unladen insurance cost:
Unladen insurance for rv transport costs $95 a month or $1,140 a year for a $1 million coverage
Trucking businesses pay $98 a month or $1,176 a year for a $1 million unladen truck insurance
The cost of $500,000 unladen liability insurance policy is $82 a month or $984 a year
A $1,000,000 unladen insurance for moving businesses is $85 a month or $1,020 a year
Here’s a table showing unladen insurance cost based on the best unladen insurance companies many recommend:
|Monthly Rate||Annual Rate||Best for|
|CoverWallet||$43.85||$526.2||Unladen insurance with the minimum limit required by the FMCSA|
|Gallagher||$50||$600||Affordable $1 million combined single limit unladen insurance|
|Northwoods Insurance||$89||$1,068||Unladen trucking insurance having $500,000 limit or $1 million limit|
|Trinity Insurance||$207.5||$2,490||Unladen insurance for light to medium duty vehicles|
|OOIDA||Contact an OOIDA representative for accurate pricing||Contact an OOIDA representative for accurate pricing||Membership-based unladen insurance|
Take the time to use our free online quote comparison tool. We are committed to helping you, and the best way to do that? Provide you with all the cheap unladen insurance quotes of different carriers which are the leading companies in that sector so that you make the smartest buying decision. Start by clicking the "Get Quotes " and filling up the form.
Policy limit starts at the minimum amount required by the FMCSA
Has an online quote comparison tool
The cheapest carrier on our review
Policies you buy from CoverWallet are underwritten by its partners
CoverWallet includes unladen liability on its insurance program for owner-operators, which also offers bobtail liability and non trucking liability policies. These policies come from CoverWallet’s partners which then it customizes to offer specialty insurance products for customers. Policy limits start at $750,000 which is the minimum insurance requirement the Federal Motor Carrier Safety Association wants truck operators to have.
Best for: Unladen insurance with the minimum limit required by the FMCSA
Average cost: $39per month
Our rating: 10/10
Certificate of unladen insurance: Available
Offers $1 million combined single limit unladen insurance
Doesn’t provide its own unladen insurance
Gallagher, a transportation business company, offers unladen insurance with Zurich. The company’s unladen insurance offers a $1 million combined single limit.
Best for: Affordable $1 million combined single limit unladen insurance
Average cost: $50per month
Our rating: 8/10
Certificate of unladen insurance: Available
Offers $500,000 and $1 million unladen insurance
Payment is done on a monthly basis only
It’s not easy to cancel your policy
Monthly premiums include a policy fee
Northwoods offers unladen liability insurance through its motor carriers insurance program. This company offers two options. You can go for $500,000 unladen insurance, which costs $95 a month or $1 million unladen insurance, which costs $128 a month.
Best for: Unladen trucking insurance having $500,000 limit or $1 million limit
Average cost: $89per month
Our rating: 7/10
Certificate of unladen insurance: Talk with a Northwoods agent or customer service representative.
Offers numerous payment options
Unladen insurance is for light to medium-duty vehicles
Only offers unladen insurance for permanently leased owner-operator
Doesn’t offer unladen trucking insurance
Trinity offers commercial unladen insurance for light to medium vehicles such as camp haulers, automobile haulers, and flatbed haulers. Just like Northwoods Insurance, it has $500,000 and $1 million unladen liability insurance each costing $115 a month and $150 a month respectively. You might like this company as it offers flexible payment options. You can pay your premiums via Visa, Mastercard, and Discover card.
Best for: Unladen insurance for light to medium duty vehicles
Average cost: $207.5per month
Our rating: 7/10
Certificate of unladen insurance: Talk with a Trinity agent or customer service representative
Underwrites different kinds of insurance products useful to motor carriers and owner-operators
Comprehensive unladen insurance coverage
Not an insurance company but an organization for truckers that’s selling insurance solutions
OOIDA is an organization that offers insurance solutions to small trucks and startup motor carriers. This company’s unladen insurance is offered together with physical damage coverage, roadside assistance coverage, passenger accident coverage, and many more.
Best for: Membership-based unladen insurance
Average cost: Contact an OOIDA representative for accurate pricing
Our rating: 6/10
During the course of our research, we discovered that State Farm doesn’t offer unladen insurance. Even a simple search using the terms unladen insurance offered by statefarm or "unladen " insurance offered by statefarm doesn’t bring out results. The same also goes for state farm unladen insurance definition or statefarm unladen insurance definition . We asked agents in forums and other online platforms and truly confirmed that the company doesn’t offer unladen insurance right now.
There’s no such thing as progressive unladen insurance. The company, Progressive , only offers related coverage, non trucking liability insurance. Other policies you can avail are cargo insurance , and motor carrier general liability insurance.
We suggest you try CoverWallet for your ny unladen insurance. This company has a lot of partners. Therefore, it can certainly cover you no matter which location you might be in the United States.
Bobtail insurance only kicks in if you drive a trailerless vehicle for business purposes.
On the other hand, non trucking liability kicks in if you’re driving a truck for personal purposes. This policy doesn’t care whether or not there’s a trailer attached.
As for unladen insurance, its coverage applies even if the trailer is attached or not. Also, it’s not a question of whether or not the accident happened while the truck is being used for business purposes or personal purposes. In a way, one can say that non trucking liability insurance seemingly functions as non trucking liability and bobtail insurance at the same time.
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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!