Non-Trucking Liability for Leased Drivers Running Off Dispatch
Bobtail coverage that answers the gap in your motor carrier lease, placed with A rated carriers in the 50 states we are licensed in.
Non-Trucking Liability insurance for trucking fleets in 50 states
Non-Trucking Liability (NTL, aka bobtail) protects leased operators when the truck is being used for non-business purposes. Required by most motor carriers — we keep it priced right.
Prestige Trucking Insurance places non-trucking liability coverage for motor carriers running three or more trucks and is licensed in 50 states. We compare A rated commercial trucking insurance carriers to find the coverage your operation needs at the lowest qualified rate available to you.
Why Prestige
- Built for owner-operators and fleets alike
- Compared across hundreds of A-rated carriers
- Tailored limits, deductibles, and endorsements
- Independent advice — we work for you
Who needs it
- → Owner-operators running under their own authority
- → Small to mid-size trucking fleets
- → Carriers hauling regulated commodities
FAQs
How fast can I get a quote?
Most quotes are turned around the same day. Complex risks may take 24–48 hours.
Do you compare multiple carriers?
Yes. We are independent and shop hundreds of carriers to find your lowest qualified rate.
Can I bundle this with other coverage?
Absolutely — bundling often unlocks meaningful discounts. Ask your specialist about packaging.
When the motor carrier policy stops and your own coverage starts
A motor carrier's primary liability responds while the unit is under dispatch. The moment a leased driver runs personal miles, deadheads home after a delivery, or drives to a repair shop on a day off, that policy can step away. Non-trucking liability answers that window.
Most lease agreements require the driver to carry it, and most carriers deduct for it from settlement if the driver does not. We read the lease language first, then match the limit and the definition of use so the two contracts do not contradict each other.
The gap that ends careers
Drivers assume the motor carrier policy covers them everywhere. A single at fault crash off dispatch without bobtail coverage can become a personal judgment against the driver. Verify the coverage before the truck leaves the yard, not after.
855-643-3881What a bobtail placement should include
Lease matched limits
Limits set to what the motor carrier lease requires, usually $1,000,000 combined single limit.
Clear definition of use
Written language on what counts as off dispatch so a claim is not argued after the fact.
Certificate to the carrier
Certificates and additional interest issued to your motor carrier so settlement deductions stop.
Physical damage pairing
Bobtail is liability only. We pair it with physical damage so the tractor itself is not left bare.
Under dispatch versus off dispatch
| Scenario | Motor carrier primary liability | Non-trucking liability |
|---|---|---|
| Hauling a dispatched load | Responds | Does not respond |
| Driving home after delivery, no load | Often excluded | Responds |
| Personal errand on a day off | Excluded | Responds |
Questions motor carriers ask
Is bobtail insurance the same as non-trucking liability?
The terms are used interchangeably in the market. Both describe liability coverage for a leased power unit operated outside the motor carrier's dispatch. Read the policy definition, because forms differ on deadhead miles.
Does non-trucking liability cover the truck itself?
No. It pays third party injury and property damage only. Damage to your own tractor requires a physical damage policy, which we usually place alongside it.
Who needs non-trucking liability?
Owner-operators leased to a motor carrier, and fleets that lease on independent drivers and must verify the driver's own coverage. Call a Prestige specialist at 855-643-3881 to review the lease before you buy.
Check My Lease Requirements
Send us the lease and we will tell you the exact limit and form your motor carrier will accept.
Fleets of three or more power units across the 50 states we are licensed in.
Non-Trucking Liability coverage across the 50 states we serve
Filing requirements, limits and endorsements change from state to state. Our specialists review your lanes, loss history, FMCSA safety rating and shipper requirements before recommending non-trucking liability limits, then walk you through every policy decision in plain language.
We work with regional fleets, long haul carriers, owner-operators running under their own authority and first year new authority trucking companies. When your fleet crosses state lines, we structure the program so it stays compliant in every jurisdiction you run.
As an independent agency we do not answer to one carrier. We answer to you, which means we can move your account when a carrier pushes an unjustified renewal increase.
Who needs non-trucking liability coverage?
Non-Trucking Liability coverage is for commercial motor carriers whose contracts, lenders or regulators require it, and for fleets that could not absorb the loss out of pocket. A Prestige specialist reviews your operation and returns options from A rated carriers, usually the same business day. Call 855-643-3881.
Regions we serve
- Southeast: Florida, Georgia, Tennessee, North Carolina, South Carolina, Alabama
- Texas and the Gulf: Texas, Louisiana, Oklahoma, Arkansas, Mississippi
- Midwest: Illinois, Ohio, Indiana, Michigan, Missouri, Wisconsin, Minnesota
- Northeast: Pennsylvania, New Jersey, New York, Maryland, Virginia, Massachusetts
- West: California, Arizona, Nevada, Washington, Oregon, Colorado, Utah
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