Non-Trucking Liability Insurance

At first glance, “non-trucking liability insurance” sounds like something a lawyer made up, or something created for a movie. It’s actually much simpler than it sounds; it’s just insurance for the times when you aren’t driving your truck. Motor carrier contractors and owner-operators use primary liability insurance when they haul cargo, deliver goods and so forth. This particular type of insurance covers you when something happens while you’re driving your truck for personal reasons. So, with this insurance, you can feel confident when you’re behind the wheel of your truck no matter what.

Remember: if you’re a leased trucker, your carrier has to give you an additional plan for physical damage insurance. Of course, it’s all right if they don’t. You can acquire that on your own. For many truckers who are independent times that love the freedom of the road, there’s something special in controlling your own safety. As ever, don’t hesitate in the slightest to ask us about any questions you might have relating to this kind of insurance or others.

Imagine if you could spend all the time you wanted with your family and friends. Letting your cares go away, blocking it all out and spending the time you want with the people that matter most to you. As we’re all so busy, it’s important to cherish those times when you can have a free night away from the business. That’s what this insurance is for: making sure that you can enjoy those free nights. So, with this, you’ll be covered if you take your family on a trip in your truck.

Bear in mind: this insurance only covers personal matters, and not business ones. It won’t cover layovers, fueling, cargo hauling, maintenance or terminal trips, or anything similar.

There are a lot of misconceptions around this particular kind of trucking insurance. Some liken it to Bobtail liability insurance, but it’s not exactly the same thing. Furthermore, the amount of non-trucking liability contracts to sign can be massive. At first glance, they may seem similar – but the differences are critical and massive. It’s easy to get too much coverage and it’s also easy to not get nearly enough. We can go over the fine print with you, pointing out what fits your lifestyle, what doesn’t, and through that process, finding the right fit for you.

Paperwork is always a part of trucking insurance, but with this particular kind of trucking insurance, the paperwork can get very big very quickly. Unfortunately, that’s even more irritating when it comes to this kind of insurance: as the whole point of it is to have more free time with those you want to spend time with. Of course, as we’re always looking for more ways to help our customers, we’ll handle the paperwork for you.

As we always say, our goal isn’t to give you trucking insurance; it’s to get you the trucking insurance that’s right for you. So, not everyone is going to benefit from this particular kind of trucking insurance. Should you be the kind of driver who loves taking people out in the truck, then by all means get this one. You can show your family the new movie theater, the amusement park, or just take them out for a great drive under the stars. That being said, if you’re the kind of driver who never takes friends or family out in the truck, then you won’t need this one. There are other kinds of insurance for you. By that same token, be wary of an insurance company that would offer this to you. We make it a point to offer this insurance solely to those would benefit from it.