Non-Trucking Liability Insurance Program from Continental Risk / Continental Marine Insurance Services
Continental Risk / Continental Marine Insurance Services offers a dedicated Non-Trucking Liability (NTL) Insurance Program designed to provide essential protection for owner-operators when they are not under dispatch. This coverage fills the gap when the primary motor carrier’s liability policy does not apply—such as when a driver is using a vehicle for personal use or activities not related to transporting goods.
This program is ideal for agents and brokers working with independent truckers who operate under lease agreements and need NTL coverage to stay compliant and protected while off the job. As a specialized excess & surplus lines broker, Continental Risk brings strong market access and underwriting expertise to help place these accounts effectively.
Ideal Accounts and Appetite
This program is best suited for:
- Independent owner-operators leased to a motor carrier
- Drivers operating tractors for personal use when not under dispatch
- Trucking professionals with clean MVRs and driving histories
- Accounts with prior NTL coverage and favorable loss history
Example: You might have a client who owns a tractor-trailer and is leased to a motor carrier, but occasionally uses the tractor for personal use. This program ensures they're properly covered during those times.
Coverage Highlights and Advantages
Continental Risk's Non-Trucking Liability Program offers:
- Liability protection during non-business use of a commercial truck
- Support for underwriting new ventures (surcharge may apply)
- Access to admitted markets, where available
- No minimum premium requirement, offering flexibility for smaller accounts
This coverage is essential for maintaining continuous protection and avoiding potential gaps that could lead to uncovered losses when a driver is not under a carrier’s dispatch.
Underwriting Guidelines and Submission Requirements
To underwrite each risk, agents must provide:
- Driver’s lease agreement
- Motor Vehicle Report (MVR)
- Loss runs for prior NTL coverage (or note if it's a new venture)
Drivers are not eligible if they:
- Are under 23 years of age
- Have more than 4 incidents in the past 36 months, or more than 2 in the past 12 months
- Have more than 1 at-fault accident in the past 12 months, or more than 2 in the past 36 months
- Have less than 2 years of experience driving similar equipment
- Have a major violation within the last 3 years
Major violations include: DUI/DWI, refusal to test, reckless driving, hit & run, fleeing law enforcement, open container, speeding 20+ mph over limit, allowing an unlicensed driver, and felony-related vehicle incidents.
States Where Coverage Is Available
This Non-Trucking Liability program is available in the following states:
AL, AZ, AR, CA, CT, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MN, MS, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WV, WI.
Why Work with Continental Risk / Continental Marine Insurance Services
As an experienced excess & surplus lines broker, Continental Risk / Continental Marine Insurance Services offers agents access to competitive admitted markets and underwriting expertise in trucking-related risks. The team understands the nuances of NTL exposure and works closely with brokers to ensure timely and effective placements. With no minimum premium and a wide state footprint, this program is a practical option for agents looking to support independent truckers and leased drivers.
Frequently Asked Questions
What types of accounts are a good fit for this Non-Trucking Liability program?
Owner-operators leased to a motor carrier who use their commercial vehicles for personal or non-business purposes are ideal candidates.
What submission materials are required?
You will need to submit the driver’s lease agreement, MVR, and loss runs if there is prior NTL coverage. New ventures may be subject to a surcharge.
Are there age or experience restrictions for drivers?
Yes. Drivers must be at least 23 years old and have at least 2 years of experience operating similar equipment.
Is this program available on an admitted basis?
Yes, the program is available through admitted markets, depending on the state.
What are some examples of major violations that would disqualify a driver?
Major violations include DUI, reckless driving, hit and run, fleeing law enforcement, and speeding 20+ mph over the limit.
Need help placing an account? Connect with a market specialist.