Semi truck insurance
The tractor-trailer package, own authority or leased on.
Semi truck insuranceNon-Trucking Liability Insurance
Non-trucking liability insurance covers a leased-on owner-operator for injury and property damage caused while the truck is being used for personal, non-business purposes, when the motor carrier's policy does not apply. Bobtail insurance is the older, narrower cousin that covers the tractor when it is driven without a trailer, whether or not you are under dispatch. Our agency writes both from a licensed office in Las Vegas.
Get your non-trucking liability quote
Step 1 of 5
In short
Personal-use coverage for leased-on tractors. Most motor carriers require it in the lease.
- Non-trucking liability: any time you are not under dispatch, trailer or no trailer.
- Bobtail: any time you are driving without a trailer, dispatched or not.
- Most leases specify which one; bring the lease and we match it.
- Licensed Nevada insurance agency
- 20 years of insurance experience
- English and Spanish
- Federal and state filings handled
- Las Vegas office, 2620 Regatta Dr Suite 102
Coverages for this operation
Owner-operator insurance
How the leased-on package fits together.
Owner-operator insurancePrimary liability
What you switch to when you get your own authority.
Primary liabilityWhat drives your rate
- Limit required by the lease, most often
- Driver record.
- How the tractor is garaged and used off dispatch.
- Whether you also carry physical damage with us.
- Garaging ZIP.
How it works
Step 1: Send us the lease's insurance section
It names the coverage and limit the motor carrier requires.
Step 2: We quote NTL or bobtail to match
Licensed agent, one policy, no guessing at the definition.
Step 3: Bind and send the certificate to your carrier
Usually within one business day.
This page is for leased-on owner-operators. If you run under your own authority, you need primary liability instead.
Questions carriers ask
What is the difference between bobtail insurance and non-trucking liability?
Bobtail covers the tractor without a trailer attached, on or off dispatch. Non-trucking liability covers the tractor when it is not being used for business, with or without a trailer. NTL is the broader personal-use form; bobtail is the narrower no-trailer form. Leases usually name one.
Do I need non-trucking liability if the motor carrier already insures me?
The carrier's policy applies under dispatch. Driving home, to the shop, or on a weekend is outside it. That gap is what NTL covers, and most leases make it mandatory.
Does NTL cover the truck itself?
No. NTL is liability to others. Damage to your own tractor is physical damage coverage, bought separately.
Related: Owner-operator insurance, Semi truck insurance, Primary liability insurance.