Non-Trucking liability insurance provides a permanently leased owner operator with a limited form of liability protection. Specifically, it applies when a covered vehicle is operated solely for personal and non-economic purposes. Non-trucking liability truck insurance never applies when an owner operator pulls a loaded trailer, operates on behalf of a trucking company or uses a vehicle for any revenue generating purpose like trip leasing. These types of activities normally fall under the primary auto liability truck insurance provided by a trucking company.
With 1st Guard you deal directly with your insurance company. There’s no agent or middleman taking a cut of your premium. As a result, we can offer you very competitive rates. Plus, if you have a claim you will deal directly with our in-house licensed truck insurance adjusters. Our people do nothing but work on truck claims all day long. They’re experts at getting you back on the road fast. More than that, when you call 1st Guard real people still answer the phone. You won’t have to navigate through ten menu items to speak with someone. If you need something after hours you can always manage your account online 24/7.
You bet! Check out the Truck Insurance Features or call us today at (800) 995-4827. Let our customer service agents walk you through your options.
Usually yes, and better yet, your rate should not change. Your situation may affect your policy premium.
Generally, no. Trucking companies offer settlement deducted insurance programs for convenience. Most of the time, you are able to buy your own truck insurance. Check with your company first. Then call us and see just how much you can save!
Bobtail liability insurance covers you when you are driving a truck without a trailer whether for business or personal use. Non-Trucking liability insurance is a limited form of liability protection. Insurance for permanently leased owner operators. It applies when a covered vehicle is operated solely for personal and non-economic purposes. It does not apply if pulling a loaded trailer. It does not apply if operating on behalf of a trucking company. It does not apply when vehicle is used for generating revenue. Trip leasing is an example of generating revenue. These types of activities normally fall under the primary auto liability truck insurance. The primary liability insurance is provided by a trucking company.
Most motor carrier lease agreements require owner/operators to purchase non-trucking liability insurance. The agreement relieves the motor carrier of financial responsibility when you are not under the direction of the motor carrier, and the vehicle is operated solely for personal and non-economic purposes.
There can be many reasons you might need to cancel your truck insurance. We understand the trucking industry, and know how quickly things can change. If you need to cancel your insurance, just give us a call at (800) 995-4827. We will get you a pro-rated refund for any unused premium.