Off dispatch, off the clock — but not off the hook.
Coverage for personal use, off dispatch
Non-Trucking Liability (NTL) — sometimes called “non-trucking use” or “deadhead” coverage — protects an owner-operator's liability when the truck is driven for personal reasons and is not under dispatch from the motor carrier.
A carrier's liability coverage generally applies only while you are working under its authority. Drive the truck to dinner, home for the weekend, or on a personal errand, and that coverage typically does not respond. NTL is built for exactly those moments.
What Non-Trucking Liability Covers
Non-Trucking Liability generally provides:
Liability Protection — bodily injury and property damage arising while the truck is used for non-business purposes.
Off-Dispatch Coverage — protection during the personal-use periods a motor carrier's policy excludes.
Legal Defense — costs to defend covered claims.
Who Needs Non-Trucking Liability
NTL is typically required or recommended for:
Owner-operators leased to a single motor carrier
Drivers whose lease agreement mandates non-trucking coverage
Truckers who use their rig for personal travel
Getting the Right Combination
Because Bobtail and Non-Trucking Liability overlap and each carrier's agreement is worded differently, owner-operators are often sold the wrong one — or left with a gap between them. We review your lease and how you actually use the truck before placing coverage.
Our Approach
At Cory Washington & Co., Non-Trucking Liability coverage is never a checkbox. We evaluate how your business actually operates, review your contracts and exposures, and structure coverage to perform in the real world — not just to satisfy a minimum. Licensed in all 50 states, we place Non-Trucking Liability coverage through admitted carriers and specialty markets that compete for your account, then explain the trade-offs in plain English so you can decide with confidence.
Related trucking coverage: Bobtail · Commercial Auto · Physical Damage · Motor Truck Cargo.
All insurance descriptions on this website are provided by Cory Washington & Co. LLC strictly for general informational purposes. They are not intended to be, and should not be relied upon as, legal, financial, or insurance advice. The information presented is general in nature and does not guarantee the availability, terms, conditions, or scope of any insurance coverage. Actual coverage is determined solely by the specific policy language issued by the insurer and remains subject to underwriting approval. Nothing on this website creates or implies an agent-client relationship, binds coverage, or alters any existing policy. Cory Washington & Co. LLC expressly disclaims any liability for actions taken, or not taken, based on the content provided here. For advice regarding your particular situation, please consult directly with a licensed insurance professional at Cory Washington & Co. LLC or another qualified insurance professional, and always review your policy documents in full.
Frequently Asked Questions
How do I get non-trucking liability insurance through Cory Washington & Co.?
Request a quote or contact our team. We start with a short conversation about your operations, analyze your exposures, then negotiate non-trucking liability insurance across multiple carriers that compete for your account and present options with the trade-offs explained. Cory Washington & Co. LLC is licensed in all 50 states.
How are non-trucking liability insurance premiums priced?
There is no flat rate. The cost of non-trucking liability insurance reflects your industry, your size (payroll and revenue), your claims history, and the limits and deductibles you choose. We market your account to multiple carriers, compare the real quotes side by side, and explain what is driving each number so you can weigh coverage against price with confidence.
Is non-trucking liability insurance mandatory?
Requirements vary. Non-trucking liability insurance may be mandated by statute, or required under your contracts, leases, or loan agreements — and in many cases it is simply prudent given the risks involved. We look at your specific obligations and exposures, then recommend the coverage and limits that fit.
What if another agency has already declined or non-renewed my coverage?
Difficult, specialty, and previously-declined placements are a core part of our work. We access excess & surplus (E&S) and specialty markets that many generalist agencies cannot, and we explain the trade-offs clearly so you can decide with confidence.
Available in all 50 states. See how requirements differ in California, Texas, Florida, New York, or choose your state.