Non-Trucking Liability insurance covers use of a truck for non-business purposes. When using your truck on your days off, Non-Trucking Liability insurance may cover medical and other expenses associated with injuries to others or damage to others’ property you may cause. Non-Trucking Liability modifies the liability portion of your primary liability coverage policy.
Additional coverage for physical damage may be required by owner-operators driving on lease to a motor carrier. Physical damage coverage will pay for truck damages caused by collision, overturn, theft, or natural disaster.