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Non-trucking liability coverage

What is non-trucking liability coverage?

Non-trucking liability coverage is a type of insurance policy designed to protect commercial truck drivers when they are using their trucks for non-business purposes, such as driving to the grocery store or taking their children to school. Non-trucking liability insurance is also sometimes called “bobtail insurance.”

This type of coverage is important because most commercial trucking insurance policies only provide coverage when the truck is being used for business purposes, such as hauling cargo. If a truck driver gets into an accident while using their truck for personal reasons, their standard commercial trucking insurance policy may not provide coverage for damages or injuries.

Non-trucking liability insurance fills this gap by providing coverage for accidents that occur during non-business use of the truck. This type of coverage typically includes liability insurance, which covers damages and injuries to other people or property.

It’s important to note that non-trucking liability insurance is separate from primary liability insurance, which provides coverage for accidents that occur while the truck is being used for business purposes. Owner operators may need to purchase both types of insurance to ensure they are fully protected while on the road.

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