What is non-trucking liability insurance?
Commercial truck insurance policies normally limit coverage to only when the equipment is being driven for business purposes. When trucks are used for personal driving, Massachusetts businesses usually need to add non-trucking liability insurance.
Non-trucking liability insurance is for truck operators who require coverage not just during official dispatches. Coverage may apply to a variety of non-work driving.
For instance, policies might cover commuting to/from personal residences, stopping for personal errands, and meeting up with someone mid-trip.
Which Massachusetts businesses need to have non-trucking liability coverage?
Any Massachusetts business whose trucks are used for non-commercial purposes at times probably should have non-trucking liability. Owner-operators often get policies, but so too might businesses.
Moreover, the coverage usually isn’t optional if trucks are used for non-work purposes. This can be the only way to comply with minimum state coverage requirements when driving trucks for personal reasons.
Businesses that are unsure whether their situation requires this coverage can speak with a specialized insurance agent. An agent who knows non-trucking liability will be able to determine whether the coverage is needed in a specific situation.