Non-Trucking Liability Insurance in Massachusetts

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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.

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What types of trucks is non-trucking liability coverage available for?

Non-trucking liability is most often used for tractor-trailers, so they’re covered during non-dispatch driving. Coverage can also be purchased for other trucks, however. Tow trucks, straight trucks and cargo vans may all be insured with this coverage.

What protections are included in non-trucking liability policies?

Non-trucking liability policies usually come with several sub-coverages, such as:

  • Personal Injury Protection: Might apply if injuries are sustained by the driver and any passengers during an accident.
  • Medical Payments Coverage: Might apply if there are medical costs associated with injuries to the driver and passengers.
  • Third-Party Bodily Injury Coverage: Might apply if individuals in other vehicles sustain injuries during an accident.
  • Property Damage Liability Coverage: Might apply if there is damage to other vehicles or property during an accident.
  • Underinsured/Uninsured Motorist Coverage: Might apply if there’s either an accident with an uninsured driver, or a hit-and-run accident.

Does non-trucking liability coverage protect against damage to trucks?

Non-trucking liability policies focus on providing liability coverage, generally helping with legal, court, and settlement costs stemming from covered claims. This coverage normally doesn’t protect against damage to trucks themselves. Instead, separate coverage is usually needed for damage.

Non-Trucking Liability Insurance Massachusetts

How does non-trucking liability differ from bobtail coverage? 

Though non-trucking liability and bobtail policies both normally provide liability coverage, the circumstances under which they offer protection differ:

  • Non-trucking liability policies usually cover the personal use of trucks, with some policies extending coverage to attached trailers.
  • Bobtail policies usually cover work-related use of trucks when there’s no trailer attached. 

Many owner-operators and businesses with semis may need both types of coverage.

Is it possible to transfer non-trucking liability coverage from one lease to another? 

It’s common for non-trucking liability policies to be transferred between leases, but the transfer process must be properly executed. This is something that an experienced insurance agent can assist with.

How much does non-trucking liability coverage cost?

Premiums for non-trucking liability coverage vary substantially from one policy to the next. The year, make, model and size of a truck, driver’s experience and accident history, and miles driven are just some of the factors that commonly influence cost.

Working with an independent insurance agent is a quick and easy way to find out how much covering a particular truck will be. Independent agents are able to compare prices from among several insurers.

Non-Trucking Liability Insurance Massachusetts
Scotti Insurance

How can businesses in Massachusetts get non-trucking liability insurance? 

If you or your business needs non-trucking liability insurance, reach out to the independent agents at Scotti Insurance Agency. Our Massachusetts-based team has the expertise necessary to make sure your trucks are covered, both when they’re used for work and when they’re driven for personal purposes.


For quotes or questions, reach out to the experts at Scotti Insurance Agency. We’ll be happy to assist you!

Scotti Insurance Agency

Scotti Insurance Agency

19 Mount Vernon Street
Winchester, MA 01890