Because accidents don’t always happen during business hours
It occurs more often than you might think: A driver of a trucking business uses a company rig while off duty for personal use and becomes involved in an accident. How can a trucking business protect itself against costly accident liability claims that occur in a company truck after hours?
Non-trucking liability insurance protects your commercial transportation clients against third-party property damage and bodily injury claims when a driver is involved in an accident while using a company truck during off-duty hours for non-business purposes.
At Across America Insurance, we can help you provide your commercial trucking business clients with the additional protection of a non-trucking liability policy as part of a comprehensive risk management program.
Non-Trucking Liability Insurance FAQs
Is coverage for non-trucking liability included in a business’s primary trucking general liability insurance policy?
No. Non-trucking liability is optional insurance that specifically covers third-party liability claims when a driver or truck is in an accident and is not under dispatch. Coverage includes medical and other expenses associated with injuries to others or damage to other people’s property that a company rig caused. A trucking general liability policy is required by law in order for a transportation company to operate.
What is excluded in a non-trucking liability policy?
Coverage for trips where a driver is under dispatch and becomes involved in an accident is excluded from this type of policy. Non-trucking liability insurance responds only to personal trips in a company truck when it is being used for non-business purposes and covers all parts of a vehicle.
When should a commercial trucking business consider non-trucking liability insurance?
While optional, non-trucking liability insurance provides an added layer of protection for a business—especially if there is a risk exposure. However, in some cases, coverage may be required by the motor carrier as part of a lease agreement.