By law, owner-operators must carry auto liability insurance to protect the public. Typically, the owner-operator is protected by the policy of the motor carrier to whom they are leased, whenever they are operating their tractor under the motor carrier’s authority and pursuant to the business interests of that motor carrier. Non-Trucking Use Liability insurance protects the owner-operator against claims which arise when they are operating their tractor outside the scope of their contract with the motor carrier and not hauling any freight for themselves or anyone else. The intent of Non-Trucking Use Liability is to cover the owner-operator for his or her personal, non-business use of the tractor.
Non-Trucking Use Liability protects owner-operators from liability claims in the event of an at-fault accident when the truck is not being used for business purposes. A general term used for this coverage is “Bobtail Insurance,” however there are distinct differences between the two policies.
Non-Trucking Use Liability – protects an owner-operator from liability claims in the event of an at-fault accident, when the truck is not being used for business purposes. This coverage applies whether there is a trailer in tow or not.
Bobtail Insurance – protects an owner-operator from liability claims in the event of an at-fault accident when the truck is without a trailer in tow (deadheading) while traveling. This coverage applies whether the truck is being used for business purposes or not.
An accident can happen at any time. Mid South Truckers Group provides owner-operators with a peace of mind by offering Non-Trucking Use Liability insurance to cover claims arising from unplanned accidents while their truck is not being used for business purposes. To request more information or receive a FREE quote, please complete the form on this page or contact our office toll free by dialing 888-641-3753.