If you are under permanent lease to a motor carrier that provides your primary liability coverage, then you may consider looking into getting Non-Trucking Liability (NTL) coverage for the times you are not working. This type of coverage is for when using your truck for a non-business purposes such as running errands or driving around town on your day off.
Non-Trucking Liability Coverage Exceptions
Non-Trucking liability does not apply when your pulling a loaded trailer, hauling cargo or using the truck for anything that could be considered as revenue generating.
It’s also important to know that Non-Trucking Liability excludes activities such as fueling up your truck, traveling for maintenance or servicing, washing your truck, dead-heading and driving to and from the terminal. These things can be considered as “business purpose” and would typically be covered by your motor carriers’s primary liability policy.
To put it simply, if your using the truck for anything that could be considered as business use, it is not covered by Non-Trucking Liability.
NTL Coverage Doesn’t Have to be Confusing
It’s quite normal to have questions about what a Non-Trucking liability policy covers. Don’t worry, we are here to help! Our experienced truck insurance team members are just a phone call away. Give us a ring at 800-354-8535 and we’ll be happy to go over any of your questions that you may have about non-trucking liability and other trucking coverages.