Commercial Truck Insurance – Bobtail & Non-Trucking
White Glove Partners is an independent commercial insurance agency located in Texas. We are committed to providing friendly & professional services while working with the latest technologies. With our focus on commercial trucking insurance, we pledge to help you find peace of mind and provide the best coverage and prices available to you.
Non-Trucking Liability Insurance
If you’re under permanent lease to a motor carrier that provides your primary liability coverage, you could benefit from Non-Trucking Liability (NTL) coverage while using your truck for a non-business purpose.
Non-Trucking Liability kicks in when you use your truck on your days off for things like going to the movies, picking up groceries, attending sporting events or visiting friends. It can pay for medical and other expenses associated with injuries to others or damage to other peoples’ property that you cause. This endorsement only modifies the liability portion of your policy.
Exceptions and restrictions
Non-Trucking Liability doesn’t provide liability coverage for business use or when hauling any type of cargo. Driving to and from the terminal, fueling up, traveling for maintenance or vehicle servicing, driving during layovers, dead-heading (driving without a load), and washing your truck all might be considered using the vehicle for a business purpose.
Non-Trucking Liability doesn’t apply when you’re pulling a loaded trailer, operating on behalf of a trucking company or using a vehicle for any revenue generating purpose.
Bobtail vs non-trucking liability
Non-Trucking Liability insurance is often incorrectly referred to as bobtail insurance. However, bobtail isn’t the same thing as Non-Trucking Liability. Although Bobtail coverage is often used interchangeably with Non-Trucking Liability coverage, technically they are not the same thing. Bobtail insurance protects a tractor when it’s operated without a trailer, whether or not it’s under dispatch, while Non-Trucking Liability coverage only covers a vehicle when it’s driven for personal, non-business use. Distinct from non-trucking, Bobtail would provide coverage when driving from one drop-off to the next job.