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What Is Non-Trucking Liability Insurance?

What Is Non-Trucking Liability Insurance?

Non-trucking liability insurance or contingent liability insurance is a type of trucking insurance coverage that provides protection when a truck is involved in an accident while not under dispatch. For instance, if a driver is running errands, helping a friend move, or using it for another non-business-related purpose, this can address important coverage gaps.

Often, truck owners may be hesitant to invest in truck insurance because it can be more expensive than other types of vehicle insurance. However, 2019 statistics show that 11% of all motor vehicle crash deaths in the United States occurred in large truck crashes. This shows how having insurance can be a legal and financial necessity. 

Non-Trucking Liability Insurance Cost and Coverage

Even if you already have other forms of truck insurance like primary auto liability and cargo insurance, non-trucking liability insurance provides coverage for scenarios that are typically excluded in standard forms of insurance. 

It typically covers third-party injuries, property damage, the cost of medical payments, and more. Depending on your provider, it can cost up to anything from $500 to several thousand on an annual basis. Although it isn’t typically required by state law, it is still useful to have. 

Applying for Non-Trucking Liability Insurance 

During the application process, you’ll need to provide information about the model of your truck, driving history, desired amount of coverage, and more. After you fill out some forms, you’ll receive a few quotes that you can compare in terms of cost and effectiveness. 

To lower the cost of non-trucking liability insurance, you can work with an independent insurance provider and check whether it can be bundled with other insurance policies. Buying multiple types of insurance at the same time will typically result in substantial cost savings as opposed to buying them separately. 

Once you’ve decided on the best non-trucking liability insurance policy for your needs, make sure you read the fine print and policy terms before signing any contracts. 

Frequently Asked Questions:

What is non-trucking liability insurance?

Non-trucking liability insurance provides coverage for personal use of a commercial truck, protecting the driver from liability for damage or injuries caused when not under dispatch or hauling a load.

Is non-trucking liability insurance mandatory?

Non-trucking liability insurance is not legally required but often mandated by motor carriers as part of lease agreements with owner-operators.

What does non-trucking liability insurance cover?

It covers third-party liability for both property damage and bodily injury during personal use of the truck.

What is not covered by non-trucking liability insurance?

Non-trucking liability insurance doesn't cover damages to your vehicle, your injuries, or incidents occurred while on dispatch or hauling a load.

How does non-trucking liability insurance differ from primary liability insurance?

Non-trucking liability covers personal use, while primary liability insurance covers commercial use or when the truck is being used for business purposes.

Read on to learn more about the benefits of non-trucking liability coverage for trucks at Assured Standard today!

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Assured Standard will protect your business with the right insurance, depending on your needs. Now more than ever, it’s crucial to have the right general liability insurance experts on your side. Protecting the future of your business starts today.
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