What is non-trucking liability insurance?
Truck operators don’t only need coverage when their drivers are dispatched, but often also during non-duty operation. Non-trucking liability insurance can provide Massachusetts truck operators with protection for non-duty operation.
Non-trucking liability insurance is specialized commercial truck insurance for when driers use trucks outside of official work. Coverage may protect when drivers operate trucks for personal use.
Personal use might include driving trucks to/from their house, stopping to run errands on the way home, pulling over for lunch with a family member, and similar situations. The exact activities that are considered personal use depend on a policy’s terms and conditions.
What Massachusetts businesses need non-trucking liability coverage?
Massachusetts businesses should consider non-trucking liability if their trucks are ever driven for non-work use. Coverage is often purchased by owner-operators, and other businesses may need it.
In many situations where drivers use trucks personally, coverage may be required per state law. Massachusetts law stipulates that most vehicles driven on public roads must be insured with minimum liability coverages. Without non-trucking liability coverage, trucks might not have that coverage when they’re driven outside of work responsibilities.
Moreover, businesses might need coverage for any type of commercially registered truck. While it’s frequently purchased for non-dispatched driving of tractor-trailers, coverage is also available for other types of trucks. Tow trucks, cargo vans, straight trucks and other equipment may be insured with this coverage.
Businesses that are unsure whether they need non-trucking liability coverage should speak with a specialized insurance agent. A specialized agent will be able to make an informed recommendation as to whether coverage is appropriate, and they can suggest a good policy if coverage indeed is needed.