Non Trucking Liability
WHAT IS NON-TRUCKING LIABILITY AND BOBTAIL INSURANCE?
Non-trucking liability and bobtail insurance are essential coverages that address potential gaps in your primary liability policy. Non-trucking liability insurance steps in to cover property damage or bodily injury when your truck is not engaged in business activities, such as driving it home after completing a haul. On the other hand, bobtail insurance provides coverage for your truck when it is not connected to a trailer, irrespective of whether it is on dispatch or not. For instance, if you encounter a collision while traveling to your next destination after dropping off your load and trailer, bobtail insurance would offer protection. These coverages offer peace of mind by ensuring you’re financially protected in various scenarios outside of standard business operations.
LIMITS AND PRICE FOR BOBTAIL COVERAGE
A standard bobtail insurance policy with a $1,000,000 limit typically ranges from $35 to $60 per month. However, it’s crucial to carefully review the policy details to ensure it provides adequate coverage for your specific needs and circumstances.
WHAT DOES NON-TRUCKING LIABILITY EXCLUDE?
Non-Trucking Liability insurance does not cover situations where you are hauling cargo, pulling a loaded trailer, or engaging in any revenue-generating activities. Additionally, certain activities like fueling up, traveling for maintenance, washing your truck, dead-heading, and driving to and from the terminal are also excluded from coverage under Non-Trucking Liability. These activities are considered business purposes and would typically be covered by your motor carrier’s primary liability policy. In essence, Non-Trucking Liability only applies when you are using the truck for personal, non-business purposes.
GET NON-TRUCKING LIABILITY COVERAGE TODAY!
Purchasing insurance to fill any coverage gaps can be expensive. Don’t just take the first quote you hear: shop around until you find a policy that works best for you. It’s quite normal to have questions about what a Non-Trucking liability policy covers. Don’t worry, we are here to help! Our experienced truck insurance team members are just a phone call away. Give us a ring at (916) 699-9022 and we’ll be happy to go over any of your questions that you may have about non-trucking liability and other trucking coverages.