Non-Trucking Liability Policy Feature Checklist
What to confirm in a non-trucking liability policy — what's standard, what's often limited, and what to add if needed — plus the gap most often missed.
Pull out your current non-trucking liability policy and your lease, and check the box next to each feature you can confirm — anything unchecked is worth a quick conversation with your advisor.
Tick each feature you can confirm your policy includes — anything left unticked is a good question for your next policy review.
| Confirm? | Policy feature | What to confirm | Priority |
|---|---|---|---|
| Non-Trucking Liability | Covers the tractor when used outside the carrier's business — personal errands and off-dispatch trips. | Standard | |
| Limit Required by the Lease | Confirm the limit matches what the carrier's lease requires. | Standard | |
| Definition of Business Use | Each insurer words it differently — confirm what counts as off dispatch. | Standard | |
| Trips to the Terminal or a Load | Driving to pick up an assigned load is usually treated as business use and excluded. | Often limited | |
| Maintenance & Truck Wash Trips | May count as business use if the lease requires you to maintain the truck. | Often limited | |
| Personal Use with a Trailer | Some policies exclude any use with a trailer attached. | Often limited | |
| Same Insurer as the Carrier | Placing both with one insurer can avoid disputes over who pays. | If needed | |
| Physical Damage | Covers the tractor itself — lenders usually require it. | If needed | |
| Occupational Accident | Covers your own injuries — owner-operators are usually not on the carrier's workers' comp. | If needed |
The gap most often missed in this coverage
The gap most often missed with non-trucking liability is how narrowly it can apply. It stops whenever the tractor is being used in the carrier's business — and courts have treated an off-duty drive to the terminal for an assigned load as business use, leaving the claim to the carrier's insurer. Lease duties to maintain or wash the truck can widen business use further. Compare your policy wording with the lease, and confirm in writing when the carrier's coverage ends.
Send us the checklist and we'll review your non-trucking liability coverage line by line, then market it across multiple carriers that compete for your account.
Related: Non-Trucking Liability Insurance · Non-Trucking Liability Supplemental (apply) · All coverage checklists
Frequently asked questions
What should a non-trucking liability policy include?
Standard features to confirm in a non-trucking liability policy include Non-Trucking Liability, Limit Required by the Lease, Definition of Business Use. This checklist also flags the features that are often limited or sublimited and the ones to add if needed, with a plain-English note on each.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my non-trucking liability coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.