When it comes to operating a business that involves the use of trucks, having the right insurance coverage is crucial. Two common types of insurance policies that businesses and truck drivers need to be aware of are Commercial Auto Liability and Non-Trucking Liability (NTL). In this article, we’ll break down the differences between these two types of insurance and explain why they are essential for businesses and truck drivers alike.

What is Commercial Auto Liability Insurance?

Commercial Auto Liability Insurance is designed to protect businesses when their trucks are involved in accidents while performing work-related tasks. This type of insurance covers damages or injuries that the business’s vehicle might cause to other people or property.

For example, if a company-owned truck crashes into another car while making a delivery, commercial auto liability insurance would help cover the costs of repairing the other car and any medical expenses for the people involved. This coverage is essential for businesses that own, lease, or rent vehicles for business purposes, as it helps protect them from financial losses due to at fault accidents.

What is Non-Trucking Liability (NTL) Insurance?

Non-Trucking Liability Insurance, also known as “bobtail” or “deadhead” insurance, is specifically designed for truck drivers who are leased to a motor carrier. This type of coverage comes into play when the truck is being used in home state for non-business purposes, such as personal use or when the driver is not under dispatch.

For instance, if a truck driver goes to the grocery store while off duty and causes an accident, non-trucking liability insurance would help cover the damages and injuries to others involved in the accident. NTL insurance is crucial for leased truck drivers because it provides protection during their personal time when the primary commercial auto liability coverage provided by the motor carrier does not apply.

In conclusion, Commercial Auto Liability and Non-Trucking Liability Insurance is essential for businesses and truck drivers. By obtaining the appropriate insurance coverage, businesses and truck drivers can protect themselves from potential financial losses resulting from accidents. Always consult with our insurance agents to ensure that your specific needs are met, and you have the right coverage in place to safeguard your business and personal assets.

Read Another Helpful Articles:

ნება დაგვრთეთ დაგეხმაროთ.

    სახელი *

    ტელეფონი *

    DOT ნომერი

    Email *

    Თქვენი კომპანია

    რა გაინტერესებთ?