April 9, 2024

Non-Trucking Liability Insurance

You may benefit from non trucking liability insurance if you operate under a permanent lease to a motor carrier that provides you with standard liability coverage. Non-trucking liability insurance offers additional coverage for owners and drivers with limited protection from the motor carrier’s auto insurance. The non-trucking liability comes in handy in various situations— whether you’re not under dispatch or require financial protection during operations. It can also protect you when driving for non-business operations, making it adjustable to your needs. More importantly, non-trucking liability insurance is also portable between leases. Consider speaking to a trusted California truck insurance agency in Northridge, CA, for advice on the right insurance coverage for your business.

Coverage of Non-Trucking Liability Insurance

Non-trucking liability insurance becomes effective when truckers are not actively involved in making deliveries with a loaded trailer. The insurance package usually pays the truck accident-related expenses if responsible or involved in an accident.

A Scenario Where Non-Trucking Liability Insurance Applies

A truck driver has just completed delivering packaged cooking oil and is still waiting to receive another dispatch. Instead of driving straight to the designated parking lot, the driver stops by the market to buy groceries. The truck encounters service brake failure, causing you to bump into a signpost. The Non-trucking liability insurance will cover the cost of repairing or replacing the damaged signpost.

Why Owners & Operators Need Non-Trucking Liability Coverage

Although running a truck business requires a substantial investment, players in the industry face numerous risks. However, truck owners and operators can mitigate the risks using the following protection offered by non-trucking liability coverage:

Financial protection for medical expenses if a third party sustains a bodily injury
Insurance protection— with or without the trailer— if you use the truck to run personal or non-business errands
For compliance, if a motor carrier requires you to carry non-trucking liability coverage
To cover the cost of lawsuits
Cater the cost of repairs and replacement in case of a truck accident

If a motor carrier provides semi-driver commercial truck insurance, it will cover you from the point of dispatch to its completion. Non-trucking liability insurance fills gaps whenever the truck is used for non-revenue-generating activities.

Exceptions and Restrictions

Non-trucking liability doesn’t offer insurance protection for business use or when hauling cargo. It also excludes business-related activities like fueling up, driving without a load, traveling for vehicle maintenance or servicing, or washing the truck. In addition, the coverage doesn’t apply when pulling a loaded trailer, operating on behalf of a motor carrier, and using the truck for revenue-generating activities.

Get in Touch With an Experienced Truck Insurance Provider to Protect Your Investment

Suppose your truck collides with another vehicle and sustains severe physical damage. In that case, you may incur hefty repair expenses to restore the truck to a working condition. You could also face an additional financial burden if a third party sues you for accident-related losses. Fortunately, Panorama Insurance Agency can protect your investment with a tailor-made insurance policy since we work closely with multiple insurance providers. Contact us online or at 818-514-1916 to get a free quote.

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