Non-Trucking Liability Insurance

Accidents Happen Even When You're Off the Clock. Protect Yourself with Florida Non-Trucking Liability Insurance

If you use your truck for personal purposes, non-trucking liability insurance gives you the vital coverage you need to drive with confidence.

Because let's face it – accidents rarely happen during business hours.

And if you're off the clock, you may not be covered by your standard liability policy.

• When you're hauling cargo, your commercial liability policy protects you in case of an accident.
• When you're off the clock, non-trucking liability has you covered.

Commercial policies only cover accidents that occur when conducting business-related activities. Whether you're driving your truck to visit friends or moving items for personal reasons, you need non-trucking liability insurance to protect against costly claims.

NTL protects your truck when it's used for personal purposes (running errands, visiting family, etc.). It helps pay for costs associated with:

• Bodily injury: This includes hospital/medical bills, pain and suffering, lost earnings, rehabilitation and other damages.
• Property damage: Covers the cost of damage to other people's property up to a certain amount.

In some cases, it can also cover related legal costs.

Primary liability and NTL insurance offer similar coverage, but they differ in how they're applied.

• Primary liability kicks in if you're in an accident while hauling cargo or engaged in any other commercial activity.
• NTL only applies if you get into an accident while you're off the clock.

For independent operators or leased truckers, non-trucking liability is essential.

Because accidents can happen anytime – even on your day off. Knowing you're protected gives you the peace of mind you need to drive with confidence.

Many truckers confuse NTL with bobtail liability insurance. While similar, these are two different types of coverage.

• Bobtail insurance covers you when you're operating without a trailer, even when you aren't dispatched. So, if you're dropping off a load in Tampa and need to pick up another one in Miami for a different carrier, bobtail insurance will cover you for the time you're driving between loads. It never covers you if you're hauling a trailer or any other load.
• Non-trucking liability covers you when you're driving for personal reasons and are not dispatched, even if you have a trailer attached. Most companies require this coverage for contract drivers because it protects them if there's an accident while not under dispatch.

If you're in an accident while visiting friends in Clearwater and you have a trailer attached, bobtail insurance likely won't cover you – and neither will primary liability. Non-trucking liability is the insurance you need to protect against costly claims.

Non-trucking liability insurance provides essential protection, but differentiating between personal and commercial-related activities can be challenging.

• Driving home after unloading or delivering cargo is typically considered a business-related activity. In this case, primary liability coverage would apply.
• Trips to repair shops, gas stations and commuting are also considered job-related. If you're in an accident while headed to the repair shop, primary liability should apply.
• Things like personal errands, non-dispatched travel and leisure trips are typically eligible for NTL coverage.

Although NTL applies to unique situations, it's a coverage that every driver should have if they own or lease their trucks.

Not sure whether you need non-trucking liability insurance in Florida? We're here to help. Our experienced and knowledgeable agents will evaluate your unique situation and recommend a plan that provides full protection.

We'll explain whether NTL will be a good fit for you and help you find the best plan for your needs and budget.

Call us today to learn more about NTL insurance and to get a free quote.