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What is Non-Trucking Liability?
Non-Trucking Liability (NTL), often called "Bobtail Insurance," provides liability coverage for owner-operators when they're using their truck for personal reasons—not under dispatch from a motor carrier. If you lease your truck to a carrier, their insurance covers you while working. But what about when you're off the clock?
The Coverage Gap
When you're driving home after dropping a load, running personal errands, or heading to the repair shop, the carrier's insurance doesn't cover you. Non-Trucking Liability fills this dangerous gap.
When Are You Covered?
- • Driving home after a delivery
- • Running personal errands
- • Heading to the repair shop
- • Driving to get fuel (off dispatch)
- • Personal use of your truck
- • Under dispatch from carrier
- • Hauling a loaded trailer
- • Driving to pick up a load
- • Any work-related driving
- • While performing carrier duties
Who Needs This Coverage?
Owner-Operators
Leasing your truck to a motor carrier
Independent Contractors
Working under permanent lease agreements
Part-Time Drivers
Using your truck for both work and personal
Amazon Relay Drivers
Operating under carrier authority
Coverage Details
What It Covers
Bodily injury and property damage liability when you're at fault in an accident while not under dispatch
Coverage Limits
Add comprehensive and collision coverage for your truck during non-business use. Protects your investment 24/7.
NTL vs. Bobtail: What's the Difference?
The terms are often used interchangeably, but there's a subtle difference:
Non-Trucking Liability
Covers personal use of your truck when not under dispatch. Excludes ANY business-related use.
Bobtail Insurance
Covers you when driving without a trailer, even if going to pick up a load. Broader coverage.
Don't leave gaps in your coverage. Get an affordable non-trucking liability quote today.