What Is Non-Trucking Liability Insurance?
If you operate cars, trucks or other types of vehicles for business, having el seguro comercial para automóviles
is essential. This type of business insurance helps protect you and your employees when you’re driving company-owned vehicles for work purposes. But what happens if you drive a company truck for a non-business purpose, like running an errand or picking up lunch? In these cases, non-trucking liability insurance can help you stay protected. This trucking insurance helps pay for medical expenses or property damage that you cause when driving a company vehicle on your day off or for a non-work-related activity. Non-trucking auto liability insurance is different from bobtail insurance, which helps cover you when you’re driving a truck without its attached trailer for work purposes.
While The Hartford does not offer non-trucking liability insurance at this time, we've partnered with Tivly
to help your trucking company get the coverage it needs.
What Does Non-Trucking Liability Insurance Coverage Include?
Types of non-trucking liability insurance coverages that are available to small business owners include:
- Bodily Injury Liability Coverage to help pay for the other driver’s medical expenses if you or an employee are at-fault in an accident.
- Property Damage Liability Coverage, which helps cover damages that you or one of your employees cause to another person’s property.
- Uninsured/Underinsured Motorist Coverage to help protect you in situations where you’re involved in an accident with another driver who either doesn’t have insurance or enough insurance to cover expenses.
- Medical Payments Coverage to help pay for your or your employee’s medical bills after an accident.
- Personal Injury Protection (PIP) Coverage, which helps cover expenses from an accident no matter who caused it.
Non-trucking liability insurance has the same types of coverages that are available in other types of commercial auto insurance policies, like semi truck insurance
. However, non-trucking liability coverages only go into effect only when you drive your company truck for non-business purposes, whereas policies like semi truck insurance can also cover you when you’re driving your truck for work.
Non-Trucking Liability: Exceptions and Restrictions
Non-trucking liability insurance only provides coverage when you are driving your truck for personal reasons. It does not include coverage for when you drive your truck for work activities, such as pulling a trailer. In this case, your primary liability coverage under your tractor trailer insurance
policy would help cover you.
Non-trucking liability insurance also doesn’t cover situations where you are operating a truck on behalf of another company. To stay protected in these situations, you’ll need trailer interchange insurance
Bobtail vs. Non-Trucking Liability Insurance
Bobtail insurance helps cover you in cases where you are driving a truck without its attached trailer. In contrast, non-trucking auto liability insurance covers you when you are driving a company truck for personal reasons. Bobtail insurance helps protect you when you’re operating a truck for work purposes, whereas non-trucking liability insurance does not.
Physical Damage Coverage
If you’re an owner operator on a lease for a motor carrier that provides you with primary liability coverage, you may need to consider adding physical damage insurance coverage to fully protect your truck. This type of coverage helps protect your truck from covered losses like theft, collisions and natural disasters. Motor carriers often provide primary liability coverage, but they don’t always provide physical damage coverage.
What Does Non-Trucking Liability Insurance Cost?
Insurance companies look at several factors when determining non-trucking liability insurance rates. For example, your non-trucking liability insurance cost may be affected by your:
- Type of truck
- Driving records of your employees
- Type of loads being carried
Non-Trucking Liability Frequently Asked Questions
What Is General Liability Insurance in Trucking?
General liability insurance helps protect your business from claims alleging bodily injury or property damage. In the trucking industry, this type of coverage protects you when these situations happen while you’re operating a truck for business.
What Is Non-Trucking Liability or Bobtail or Deadhead Coverage?
Non-trucking liability insurance provides coverage if you get into an accident while driving your company truck for non-business purposes. Bobtail insurance covers you when you’re driving a truck without its trailer. Deadhead coverage helps protect you when you’re driving an empty trailer after you deliver cargo to a destination.
How to Get Bobtail Insurance?
Typically, you can add bobtail insurance coverage to your commercial auto insurance policy as an endorsement.
Get a Quote for Non-Trucking Liability Insurance
We know that trucking companies face unique risks every day. That’s why it’s important to make sure that your business is protected for the long haul. Find coverage you can count on and get a quote for non-trucking liability insurance
through our partner, Tivly.
Última actualización: 8 de septiembre de 2023
Divulgaciones adicionales a continuación.