Non-Trucking Liability Insurance

Non-Trucking Liability Insurance

Or continue previous quote.

Manage Your Non-Trucking Liability Insurance Policy


Need a truck insurance quote?

Existing Policyholder?

Log in

What is Non-Trucking Liability Insurance?

Non-trucking liability (NTL) insurance protects truck drivers when they use their work truck for personal tasks.

NTL 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.

What does Non-Trucking Liability Insurance cover?

It is good to understand what non-trucking liability (NTL) insurance covers.

Here are the main types of coverages that can help protect you and your business:

  • Bodily injury liability: If you are in an at-fault accident, this helps pay for the other driver's medical costs.
  • Property damage liability: This helps cover the cost if you accidentally damage someone else's property, like their car.

What Is not covered under Non-Trucking Liability Insurance?

NTL 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.

  • Uninsured/underinsured motorist: Protects you if the other driver in an accident does not have enough or any insurance.
  • Medical payments: Helps pay for your driver and any passenger's medical bills after an accident.
  • Personal injury protection (PIP): offers coverage for accident-related expenses such as medical bills, lost wages, or funeral services, irrespective of fault. PIP is not available in all states and coverage rules may vary by state.

Bobtail, Deadhead, and Non-Trucking Liability Insurance: What is the difference?

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 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 and deadhead insurance are different types of liability insurance, and they are not always included in one NTL plan. You should consider each type of insurance to make sure that you have the right coverage for your needs.

Non-Trucking Liability Insurance Coverage Restrictions and Limits

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.

NTL 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. However, their liability coverage may cover you while you are 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.

How Much Does Non-Trucking Liability Insurance Cost?

When looking into non-trucking liability Insurance, you might wonder about the cost. The price isn't the same for everyone; 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 include:

  • Your industry: The type of business you are in can affect your insurance costs. Some industries have more risks than others, and this is taken into account.
  • Type of truck: The kind of truck you drive matters too. Bigger trucks, or those that are more expensive to repair, can lead to higher insurance costs.
  • Employee driving records: If you have employees, their driving records are important. Drivers with a clean history usually mean lower insurance rates, as they are seen as less risky.
  • Types of loads you carry: Finally, the kind of stuff you are hauling in your truck plays a role. Some loads are more valuable or dangerous than others, which can impact the cost of your insurance.

Visit commercial truck insurance cost to learn more about the factors that may influence the cost of your insurance.

Why Choose GEICO for Non-Trucking Liability Insurance?

When you choose GEICO, 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? Call (866) 509-9444 for a free quote and experience the peace of mind that comes with having GEICO backing your business.

Please note:

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.