Non-Trucking Liability Insurance
Choose GEICO for non-trucking liability insurance and you can feel safe while driving for personal reasons. Team up with a trusted company that is known for competitive prices and great service.
Choose GEICO for non-trucking liability insurance and you can feel safe while driving for personal reasons. Team up with a trusted company that is known for competitive prices and great service.
Non-trucking liability (NTL) insurance protects truck drivers when they use their work truck for personal tasks.
Non-trucking liability insurance does not cover you when you are driving for work, like when you are on your way to pick up a load, deliver a load, or while you're loading or unloading. It is there to protect you when you are not working. This way, you can feel safe and relaxed while driving for personal reasons.
It is good to understand what non-trucking liability (NTL) insurance covers, especially for a trucking business owner.
Here are the main types of coverages that can help protect you and your truck during non-business activities:
Non-trucking liability provides coverage for bodily injury and property damage when using the vehicle for personal use, but it does not provide coverage for uninsured, underinsured motorist, medical payments, and personal injury protection. Consider purchasing these coverages separately based on your specific insurance needs.
Truck drivers need different kinds of insurance for different situations. Non-trucking liability (NTL) insurance is one type. It's for when you use your truck for personal tasks, not for work.
Bobtail truck insurance is for when you drive your truck without a trailer behind it. You might need it when you are going to get a new load or just finished dropping one off. If you have an accident during these times, Bobtail insurance helps cover the costs.
Then there's deadhead insurance. This is for when you are driving with an empty trailer. Maybe you just delivered something, and the trailer is now empty, or you are going to pick up something new. Deadhead insurance helps you out if you have an accident then.
It is important to know that bobtail truck insurance and deadhead insurance are different types of liability insurance, and they are not always included in one non-trucking liability plan. You should consider each type of insurance to make sure that you have the right coverage for your needs.
Non-trucking liability (NTL) insurance has some rules about when you can use it. Knowing these rules helps you figure out when this insurance protects you and when you might need a different kind of insurance.
Non-trucking liability insurance is there for you when you are driving your truck for personal reasons, like going to the store. However, it is not for when you are working, like driving to pick up a load or delivering goods. When you are doing work tasks, your primary truck insurance (for example, your tractor-trailer insurance) is what helps cover you.
If you are operating a truck for another company, NTL insurance will not cover you while you’re under dispatch. If you are hauling someone else’s trailers, you may also need something called trailer interchange insurance. Trailer interchange only covers physical damage to trailers in your possession and under a trailer interchange or equipment agreement. It does not cover liability.
When looking into non-trucking liability Insurance, you might wonder about the cost. The price isn't the same for every motor carrier; it changes based on a few key factors. Think of it like getting a custom price that fits just your situation.
Some of these factors that affect non-trucking liability insurance cost include:
Visit commercial truck insurance cost to learn more about the factors that may influence the cost of your insurance.
When you choose GEICO for non-trucking liability insurance, you get more than just an insurance policy. You are teaming up with a trusted company that is known for competitive prices and great service. Plus, we are backed by the financial strength of Berkshire Hathaway, Inc.
Ready to secure your business with GEICO's unmatched expertise in non-trucking liability? Call (866) 509-9444 for a free quote and experience the peace of mind that comes with having GEICO backing your business.