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.