Non-Trucking Liability

Most lease agreements make the carrier responsible only when operating on the carrier’s behalf or within its business. Non-Trucking Liability coverage is designed to protect independent truck drivers when they’re not working under lease to a motor carrier, under the dispatch of a carrier, or carrying property in any business.

Non-Trucking Liability

Previously, this type of coverage may have been referred to as “bobtail” or “deadhead” liability. However, these two terms can also be used to describe normal operations on behalf of the carrier.

Here’s an example of this:

An owner-operator finishes a delivery and is dispatched to “bobtail” or “deadhead” to pick up another load. Non-trucking use exposures apply when an owner-operator is no longer operating under the terms of their lease agreement.

Another example of a situation that may occur is when a driver takes their tractor for a personal errand and hits a car after missing a stop sign. Liability coverage would be provided for the  bodily injury and property damage caused by the driver.Non-trucking liability excludes an owner-operator hauling any property, not just for the motor carrier.  In other words, it would exclude coverage for scenarios like using the insured unit to help a friend move their business.

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