When you're an independent trucker or owner-operator in Florida, your rig isn't always on the job—but that doesn't mean you're off the hook for insurance. That's where Non-Trucking Liability insurance comes into play. This specialized coverage protects your vehicle when it's being used for non-business purposes, like running personal errands between hauls.
But with so many providers and confusing policy details, how do you choose the right coverage in Florida? Here's a guide from the experts at Stone Era Insurance Agency, your trusted local insurance provider in Naples, FL.
What Is Non-Trucking Liability Insurance?
Non-Trucking Liability insurance (NTL) covers liability claims (bodily injury and property damage) that occur when you're driving your truck for personal use—not when it's under dispatch or performing business-related tasks.
It’s often confused with bobtail insurance, but the two are different:
Bobtail Insurance covers the truck when it’s operating without a trailer.
NTL Insurance covers your truck when it's being used for personal purposes, whether or not the trailer is attached.
Why You Need Non-Trucking Liability Coverage in Florida
Florida roads are busy, and accidents can happen even during off-duty hours. Having NTL insurance helps you:
Stay compliant with lease agreements
Avoid paying out of pocket for personal-use accidents
Maintain peace of mind while off the clock
It’s an essential layer of protection, especially for leased owner-operators whose motor carriers don't cover non-business driving.
Tips to Get the Best Non-Trucking Liability Coverage in Florida
Here are some key steps to help you secure the best policy:
1. Know Your Coverage Needs
Evaluate how often you use your truck for personal errands. Do you travel frequently between jobs or use your rig outside of dispatch hours? Your level of usage will determine how much coverage you need.
2. Compare Policies
Not all insurance providers offer the same NTL coverage options. Compare deductibles, coverage limits, exclusions, and additional services to find the best value.
3. Choose a Trusted Local Agency
Working with a Florida-based agency ensures you're getting coverage tailored to local regulations and driving conditions.
4. Bundle and Save
Ask about bundling NTL insurance with other policies like physical damage or motor truck cargo to save on premiums.
Why Choose Stone Era Insurance Agency?
At Stone Era Insurance Agency, we specialize in trucking insurance for Florida's owner-operators. We offer customized Non-Trucking Liability insurance policies designed to fit your unique needs and budget.
✅ Personalized Service
✅ Fast, Transparent Quotes
✅ Deep Industry Knowledge
We're local, experienced, and ready to help you get the protection you need—on and off the job.
Contact Us Today
Stone Era Insurance Agency 📞 Phone: (239) 288-0656 📍 Address: 958 Summerfield Dr, Naples, FL 34120, USA 📧 Email: info@stoneerainsurance.com 🌐 www.stoneerainsurance.com
Protect your truck and your future with the best Non-Trucking Liability insurance in Florida. Contact us today for a free quote!