Whether you're a seasoned trucker or just starting out as an owner-operator, insurance is one of the most important investments you’ll ever make for your business. But what happens when you’re driving your truck off the clock—say, heading home after a delivery or running personal errands? That’s where Non-Trucking Liability Insurance comes into play.
In this blog, we’ll break down what non-trucking liability insurance is, why it matters, and how Stone Era Insurance Agency can help you stay protected—on and off the job.
What Is Non-Trucking Liability Insurance?
Non-Trucking Liability Insurance, often referred to as NTL insurance, is a type of coverage designed for truckers when they’re using their commercial truck for non-business purposes. This includes times when you’re not under dispatch or working for a motor carrier.
Key Point:
Non-trucking liability insurance does NOT cover damages or incidents while hauling cargo or doing any business-related activity.
Why Do You Need It?
You might think your primary trucking insurance covers everything, but the reality is that many commercial policies only apply when you're actively on the job. The moment you’re off-duty, you’re at risk of being uninsured.
Here’s why you should consider adding NTL insurance:
Protects you during personal use – Even just grabbing groceries in your rig could lead to a liability claim.
Covers property damage and bodily injury – If you’re in an accident, this policy helps cover damages to others.
Meets leasing requirements – Many motor carriers require NTL coverage in their lease agreements.
Saves money long-term – One uncovered incident could lead to thousands in out-of-pocket expenses.
What’s the Difference Between NTL and Bobtail Insurance?
While these terms are often used interchangeably, they’re not the same.
Bobtail Insurance: Covers you when you're driving without a trailer, whether you're under dispatch or not.
Non-Trucking Liability: Covers you when you're not under dispatch, regardless of whether a trailer is attached.
Still confused? Don’t worry—Stone Era Insurance Agency is here to help you understand the difference and choose the right coverage for your needs.
Why Choose Stone Era Insurance Agency?
At Stone Era Insurance Agency, we specialize in commercial trucking insurance and understand the unique risks that owner-operators and fleet drivers face every day. Our team works with top carriers to provide tailored coverage that fits your business—and your budget.
We’ll help you get the right non-trucking liability insurance so you're never left vulnerable.
Contact Us Today
Need help finding the right policy or just have questions about coverage?
📞 Phone: (239) 288-0656 📍 Address: 958 Summerfield Dr, Naples, FL 34120, USA 📧 Email: info@stoneerainsurance.com
Let the Stone Era Insurance Agency help you stay protected—no matter where the road takes you.
Final Thoughts
Non-trucking liability insurance might not be the most talked-about policy in the trucking world, but it can be a lifesaver when it matters most. If you’re off-duty but behind the wheel, you still need to be covered.
Get in touch with Stone Era Insurance Agency today to learn how we can keep you safe—both on and off the job.