Non-Trucking Liability (NTL)Non-Trucking Liability Insurance for Leased Owner-Operators
When an owner-operator is permanently leased to a motor carrier, the carrier’s primary liability typically applies while operating under dispatch. Non-Trucking Liability (NTL) is designed to provide third-party liability protection when the truck is driven for personal, non-business use off dispatch.
Requesting a quote is free and does not bind coverage. All policies are subject to carrier underwriting and state availability.
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Coverage Options
Core coverages evaluated for Non-Trucking Liability (NTL)
Coverage limits, deductibles, and endorsements are structured around your equipment, contracts, and operating authority:
- Third-Party Auto Liability limits aligned with motor carrier lease agreement requirements
- Optional pairing with Physical Damage coverage for the leased tractor
- Certificate of Insurance issued to your leased motor carrier upon policy binding
Intended Customer Profile
Who this insurance program helps
- Owner-operators permanently leased to a certificated motor carrier
- Leased tractor owners required by contract to maintain NTL and Physical Damage
Key Operational Risks Addressed
- • Third-party bodily injury or property damage accidents while driving the tractor for personal errands off dispatch
- • Lease compliance suspension if NTL certificate expires
What influences your premium
Insurance premiums are determined by carrier underwriting rather than flat rates. Key rating variables include:
- Required liability limit specified in the motor carrier lease
- Garaging state, driver MVR, and whether Physical Damage is bundled
Underwriting considerations
- Must have an active permanent lease agreement with a motor carrier that provides primary auto liability while under dispatch
- Valid CDL and acceptable driving record
Common exclusions & terms to verify
- Non-Trucking Liability does NOT cover any operation under dispatch, hauling freight, deadheading for business, maintenance trips required for revenue service, or operating under your own authority
- Definitions of economic or business use vary strictly by carrier policy form and must be reviewed against your lease
What to have ready for an accurate quote
- Name and USDOT number of the motor carrier you are leased to
- Tractor VIN, year, make, model, and stated value (if adding Physical Damage)
- Driver CDL details and lease insurance requirement sheet
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Frequently asked questions
Helpful answers before you begin.
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