The bobtail coverage you did not think you needed.
Non-Trucking Liability covers you when the truck is being driven for non-business use, off dispatch, empty, personal errands. The gap your primary policy leaves open.
Prefer to talk it through? Call (954) 953-4845
In short
Non-Trucking Liability (NTL) covers property damage and bodily injury to others when you drive your truck for personal, non-business use, while you are off dispatch. Many motor carriers require their leased owner-operators to carry it, because the carrier's liability policy does not respond during personal use.
What it covers
The protection this policy actually puts in place.
- Liability when the truck is driven for non-business (personal) purposes
- Property damage and bodily injury to a third party while off dispatch
- The gap between when the motor carrier's liability applies and when it does not
- The bobtail requirement many carriers place on leased owner-operators
Who needs it
Is this coverage for your operation?
Owner-operators leased onto a motor carrier. Many fleets require their leased owner-operators to carry non-trucking liability, because when you are dispatched the carrier's policy covers you, but the moment you are off dispatch (driving home, running an errand), that policy stops responding. NTL fills that window.
Why Road Ready for non-trucking liability
The difference is how we place it.
The line between 'on dispatch' and 'off dispatch' is exactly where claims get contested. We place NTL that dovetails cleanly with your carrier arrangement so there is no daylight between the two policies.
For operators running their own authority, we assess whether NTL or a full commercial liability structure is the right fit, rather than selling a bobtail policy that does not match how you actually operate.
Common questions
Straight answers on non-trucking liability.
Related coverage
Coverages that often ride alongside this one.
Ready to review your non-trucking liability?
Talk to an agent who specializes in trucking. We will review your operation and place coverage with no gaps and no padding.