Non-Trucking Liability Insurance Quotes
What is Non-Trucking Liability Insurance?
Non-Trucking Liability (NTL) Insurance provides coverage for truckers when they are driving their truck for non-business purposes. If you are an owner-operator under a permanent lease with a motor carrier, you will likely need this coverage to fill potential insurance gaps when your truck is not under dispatch.
Key Benefits of NTL Insurance:
- Covers liability when driving your truck for personal use (not hauling a load).
- Protects against accidents when using your truck for non-business purposes.
- Complements the primary liability insurance provided by your motor carrier.
Important: NTL Insurance is different from Bobtail Insurance. Learn the difference here: [NTL vs. Bobtail Insurance].
How Much Does Non-Trucking Liability Insurance Cost?
Non-Trucking Liability Insurance typically costs between $29 and $50 per month. However, rates can vary based on factors such as:
- Your years of CDL experience
- Your driving record (MVR)
- The insurance provider and their underwriting guidelines
Bundling NTL with Physical Damage Coverage
Many owner-operators choose to bundle NTL insurance with Physical Damage coverage. Since motor carriers usually provide cargo and primary liability insurance, an NTL + Physical Damage bundle can offer well-rounded protection for your truck.
Estimated NTL + Physical Damage Cost: $1,500 – $3,500 annually (depending on the value of your truck and trailer)
Who Needs Non-Trucking Liability Insurance?
Owner-Operators Under a Lease Agreement
If you’ve recently signed a lease with a motor carrier, they will cover primary liability while you are hauling a load. However, you’ll need NTL insurance for protection when you use your truck for personal purposes.
Example: You take your truck out for a spin with a friend and accidentally hit a fire hydrant. Your motor carrier’s insurance won’t cover the damages—this is where Non-Trucking Liability Insurance kicks in.
Other Situations Requiring NTL Insurance
Temporary NTL Coverage – If you just purchased a truck and your lease hasn’t started yet, you may need a temporary NTL policy to drive it home safely.
Hot Shot Truckers – If you use your truck during weekends for personal errands, your motor carrier’s policy may not provide coverage.
Understanding Your Motor Carrier’s Liability Policy
Your motor carrier’s liability policy only covers you when you are under dispatch. It’s crucial to determine when that coverage ends and when your own NTL insurance must take over.
Questions to consider:
- Does my motor carrier offer in-house NTL coverage, and am I required to buy it?
- If my truck is attached to a trailer but not hauling a load, will I still be covered?
- Are there any gaps between the business and non-trucking policies that could leave me at risk?
Some motor carriers provide their own NTL policies, but it’s always a good idea to shop around to find the best rate.
Why Compare 3 Non-Trucking Liability Insurance Quotes?
Every insurance provider claims to offer the best rates, but the reality is that pricing and coverage options vary widely. To ensure you get the best policy, it’s smart to compare quotes from at least three different insurance providers.
Benefits of comparing quotes:
- Access a wide range of insurance carriers.
- Find the best coverage for the best price.
- Understand the differences between NTL policies and ensure you have the right coverage.
- Some companies like Progressive, Sentry, and Great American Insurance Group may have different rates based on your driving history and truck value.
Get Your 3 Free NTL Quotes Today!
We partner with three top commercial trucking insurance agents who are licensed in your state. They’re ready to provide you with competitive NTL insurance quotes tailored to your needs.
- Get quotes from multiple insurance providers.
- Compare coverage options and rates side by side.
- Choose the best policy and start saving today!
Questions to Ask Insurance Companies
Before purchasing Non-Trucking Liability Insurance, make sure to ask these questions:
Do you offer Physical Damage coverage as well?
What is included in your NTL policy?
Do I need Bobtail Insurance, or will NTL be sufficient?
Are there any exclusions I should be aware of?
How much can I save by increasing my deductible?
Does this policy cover me when I am driving without a trailer?
Learn More: Truck Insurance Essentials
Stay informed and make smart coverage decisions by exploring our comprehensive guides: