Non-Trucking Coverage 101

We get asked all the time to explain Non-Trucking coverage. The below is a simple and great explanation as told by Zurich.

Non-trucking liability insurance does not apply to bodily injury or property damage while a covered auto is used to carry property in any business or while a covered auto is used in the business of anyone to whom the auto is leased or rented.

Background – In most cases when an independent trucker signs a contract leasing his services to another trucking firm, primary insurance coverage is provided by that trucking company, but only while the vehicle is being operated under their authority. This creates a need for the independent trucker to have his own coverage that applies when it is not being used for business purposes.

Eligibility – Non-trucking coverage is available to any trucker that has signed a contract leasing his unit to another trucking company for a period of 30 days or more. This would typically apply to only tractors, trailers, and heavy trucks are eligible for coverage.

Notes – This coverage is low priced because it is very restrictive. If the independent trucker is transporting goods or in any way operating the vehicle for business purposes, there is no coverage. Hired and non-owned coverage & hazardous materials cannot be written in conjunction with a non-trucking policy. Additional insured endorsements should not be issued with non-trucking policies, with the exception of loss payable interests. When physical damage is provided for owner-operators as part of a non-trucking policy, the physical damage coverage applies whether the owner-operator is using the vehicle for business purposes or not.