Non-Trucking Liability Insurance

Accidents don't only happen during business hours. As a professional trucker in Ohio, it's important to protect yourself not just while working, but also when you're using your truck for personal purposes. Non-Trucking Liability Insurance ensures you're covered when you're off the clock.

If you're driving your truck for personal reasons—visiting family, running errands, or transporting non-commercial items—Ohio Non-Trucking Liability Insurance steps in. It covers:

• Property damage to others

• Medical expenses for third parties injured during a personal use accident

This coverage applies only when you are not being dispatched by your motor carrier and not conducting business activities.

• Primary Liability Insurance – Protects you during business operations, including hauling goods for a motor carrier or independent for-hire work.

• Non-Trucking Liability Insurance – Protects you during personal trips, on days off, or while running errands unrelated to your trucking business.

For leased truckers, Primary Liability coverage alone is not enough. Your motor carrier may also require a Physical Damage insurance plan for the truck, which you can also purchase independently.

Non-Trucking Liability is often confused with Bobtail Liability Insurance, but the two are different:

• Bobtail Insurance – Covers you only when operating without a trailer, regardless of whether you are dispatched.

• Non-Trucking Liability – Covers you when driving for personal reasons and not dispatched by your carrier.

Understanding the distinction ensures you have proper coverage for both business and personal driving.

Rates for Non-Trucking Liability vary depending on your situation, truck type, and driving habits. Our Ohio insurance experts will:

• Assess your personal and business risks

• Recommend coverage limits that fit your needs

• Help you find affordable, tailored rates

Determining which trips are personal vs. business-related can be tricky. Ohio and federal regulations provide guidance:

• Driving home after delivering cargo is typically considered part of your job—covered under your Primary Liability insurance.

• Trips to gas stations, repair shops, or commuting are generally job-related.

• Personal errands, leisure trips, or non-dispatched travel are eligible for Non-Trucking Liability coverage.

Still unsure if you need Non-Trucking Liability insurance? Our team of Ohio trucking insurance professionals can evaluate your risks, answer all your questions, and recommend a plan that keeps you protected when driving for personal reasons.

📞 Call us today to secure Ohio Non-Trucking Liability Insurance and drive with confidence—whether on the job or off the clock.