If you drive a commercial truck, chances are you’ve heard about non-trucking liability insurance. But what exactly does it cover — and how does it affect your accident claim if something goes wrong when you’re not on the job?

Whether you’re an independent owner-operator or leased to a motor carrier, understanding non-trucking liability can make a big difference in how an insurance claim is handled. Below, we’ll break it down in plain language.

What Is Non-Trucking Liability Insurance?

Non-trucking liability insurance (sometimes called NTL insurance) covers a commercial truck when it’s being used for non-business purposes. This type of policy is for drivers who use their truck outside of work hours — such as driving to the store or heading home after a delivery.

It does not cover:



Hauling cargo

Driving under dispatch

Any trip related to work for a carrier



In short, [...]

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