COVERAGE

Non-Trucking Liability

Bobtail and unladen liability for owner-operators leased to a motor carrier, covering you when the truck isn’t under dispatch.

Limits & options

Standard limit$1M combined single limit

Available limitsUp to $1M (rarely higher)

Deductible$0 – $1,000

TermAnnual or month-to-month

What's covered

01
Bobtail use
Liability while operating the tractor without a trailer attached, off-dispatch.
02
Unladen operation
Liability while pulling an empty trailer and not under load for the carrier.
03
Personal use
Trips home, to the shop, or running personal errands in the leased tractor.
04
Defense costs
Legal defense for covered claims arising from non-trucking use.

Who needs it

Owner-operators leased to a carrier1099 contract driversLease-purchase driversAnyone whose primary liability sits on a carrier policy

FAQ

Auto liability covers you while under dispatch for the carrier. NTL covers you when you’re off-dispatch: bobtailing, deadheading personally, or using the truck for non-business purposes.

Yes. Occupational accident covers your medical and disability; NTL is third-party liability for property damage and injuries you cause to others while off-dispatch.

No. NTL is specifically for leased owner-operators. Independent authorities need a full auto liability policy.

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COVERAGES/TRUCKING