NON-TRUCKING LIABILITY: Protecting Commercial Trucking Beyond Business
Why Do You Need Non-Trucking Liability Insurance?
Commercial trucking insurance, such as Commercial Auto Liability and Motor Truck Cargo Insurance, primarily covers business-related activities. However, when a truck is being used for personal purposes, it may not be covered under these policies. Non-Trucking Liability Insurance fills this gap, ensuring that you have coverage when operating your truck outside of business duties.
Key Features of Non-Trucking Liability Insurance
Non-Trucking Liability Insurance typically covers the following:
Liability Protection: This aspect of the policy provides coverage for bodily injury or property damage for which you may be legally responsible while driving your truck for non-business purposes.
Legal Defense Costs: In the event of a lawsuit arising from a non-business-related accident, this insurance may cover legal expenses, including attorney fees and court costs.
Policy Limits and Deductibles
Non-Trucking Liability Insurance policies come with coverage limits and deductibles, similar to other types of insurance. Coverage limits specify the maximum amount the insurance company will pay in the event of a claim, while deductibles represent the out-of-pocket amount you must cover before your insurance applies. These limits and deductibles can be customized to suit your specific needs.
Customizing Your Coverage
Every commercial trucking business and driver has unique circumstances. The need for Non-Trucking Liability Insurance may vary depending on how often your drivers use their trucks for personal purposes. Working closely with our experienced insurance agents can help you tailor a policy that offers the right level of protection for your specific situation.
Conclusion
Non-Trucking Liability Insurance, also known as Bobtail Insurance, is a vital component of your commercial trucking insurance strategy. It provides essential protection for your drivers and vehicles during non-business-related activities, ensuring that you are covered when your trucks are used for personal purposes or are not actively engaged in commercial operations.
By customizing your coverage to match your specific needs, you can safeguard your drivers and maintain compliance with insurance requirements, all while enjoying the peace of mind that comes with knowing you are protected, whether on the job or off duty. Investing in Non-Trucking Liability Insurance is a responsible step to take in the world of commercial trucking