Exposures to discuss
- Qualifying personal use outside business operations
- Travel that may fall outside the motor carrier's coverage
- Ambiguity about dispatch, business purpose, or lease obligations
- Liability arising from use of the scheduled tractor
Trucking · Non-Trucking Liability
Non-Trucking Liability Insurance
Liability planning for qualifying personal use of a leased owner-operator's truck outside business use and dispatch.
Connect the coverage to the operation
Non-trucking liability is commonly considered by owner-operators permanently leased to a motor carrier. Coverage depends on the form's definition of business use, dispatch, lease requirements, exclusions, and the facts of an accident; it should not be treated as a substitute for primary commercial auto liability.
Information to prepare
- Permanent lease and motor-carrier insurance provisions
- How dispatch and business use are defined
- Typical personal, commuting, maintenance, and repositioning use
- Policy exclusions, limits, and relationship to primary liability
Build a clearer submission
Accurate operational details, current values, loss history, and contract requirements help clarify the risk. Policy terms, limits, exclusions, eligibility, and availability vary by account and market.