Non-Trucking Liability Insurance
Our Non-Trucking Liability Program is designed to provide coverage in the event their is an accident while your client is using his vehicle for non-business or personal use other than transporting goods or merchandise. If a motor carrier is providing the primary liability coverage, their coverage will not apply when they are not under dispatch and they will then need non-trucking liability.
Our Non-Trucking Liability Program provides protection when driving the tractor while not in the business of trucking.
In order to underwrite each risk, we will need to know who the driver is leased to and provide a lease agreement with the submission along with the MVR. If they have prior NTL, we will need loss runs or a new venture surcharge may apply. The driver guidelines are as follows.
Drivers Not Eligible:
Under the age of 23
More than 4 incidents within the past 36 months or more than 2 in the past 12 months
More than one at fault accident in the past 12 months or more than 2 in the past 36 months
Less than 2 years’ experience driving equipment similar to that which is being insured
Major violation within the past 3 years
Major Violations
Driving under the influence of alcohol or drugs
Refusal / Implied Consent
Reckless driving involving speeding or racing
Open container
Hit & run
Fleeing or evading a police officer
Making a false accident report
Homicide, manslaughter or assault involving the use of a vehicle
Felony involving a motor vehicle
Speeding 20 or more miles over the posted speed limit
Permitting an unlicensed driver to drive
Driving while revoked or disqualified
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Provider Type:
Excess & Surplus Lines Broker
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Carrier Ratings:
"A" Rated
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Min Premium:
No Minimum Premium