Non-trucking liability insurance covers independent semi drivers when they are outside the scope of their lease agreement with the motor carrier.
Here’s what you need to know:
There’s more to know:
As an owner/operator, when you sign a lease with a motor carrier, the commercial auto liability policy of that motor carrier will provide coverage while you are under dispatch.
The definition of dispatch usually includes the return trip to the point of origin.
However, since you own the semi, there are times when your big rig will be operated while not under dispatch. Non-trucking liability provides coverage if you were to damage another person’s property or, worse, injure them during personal use of your truck.
In short, you need your own liability insurance to protect your equipment investment and your livelihood in case the unexpected happens.
Generally speaking, non-trucking liability is coverage for non-business use. The motor carrier’s liability policy will cover you from the dispatch point, through pick-up and delivery and back to point of origin. But any personal use between your return and the next dispatch should, in most cases, be covered under Non-Trucking Liability insurance. Keep in mind there will be exclusions in this policy, so you’ll want to discuss the policy in detail with your agent and carefully read your policy.
The best way to get this coverage is through an experienced trucking insurance company.
In most cases the coverage limit will be $1,000,000 combined single limits.
A good company will offer you several different pay plans and continuous coverage until the policy is cancelled. They can also package your non-trucking liability with the following additional coverages;
InsureMyRig.com has experienced Non-Trucking Liability insurance experts who can provide coverage to individual big rig drivers. Call us today or fill out an online quote. (Owner Operator Quote | Own Authority Quote)
1) Call (888) 931-1934 Ext. 292
2) Owner/operators: Fill out the online quote form here or email:
3) Have own authority? Fill out the online quote form here or email:
4) Live chat: (419) 475-8750