For leased drivers, time off the clock doesn’t always mean they’re off the road. Non-trucking liability insurance, often referred to as “bobtail” insurance, provides coverage during non-business-related driving, such as when a driver uses a truck for personal errands or is heading home after a haul. Here’s why non-trucking liability insurance is essential for leased drivers and how it protects both the driver and the trucking company.
1. Protects Against Liability in Non-Business Use
Leased drivers frequently operate trucks outside of business hours, whether driving home or running personal errands. Non-trucking liability insurance covers third-party bodily injury and property damage that may occur during these times, safeguarding against personal liability when a truck isn’t engaged in business-related activities.
2. Avoids Costly Out-of-Pocket Expenses
Without non-trucking liability insurance, drivers are financially responsible for damages from accidents that occur while they’re not on a job. These expenses can add up quickly, especially in cases involving injury or significant property damage. Non-trucking liability coverage helps prevent out-of-pocket costs that can be devastating for drivers.
3. Fulfills Lease Requirements with Carriers
Many carriers require leased drivers to have non-trucking liability insurance. This ensures that they’re not liable for incidents that occur when a driver uses a truck outside of the company’s business. Meeting this requirement allows leased drivers to work for top carriers without risking their professional standing or financial security.
4. Provides Coverage Gaps Between Jobs
For drivers who take on multiple contracts or work irregular schedules, non-trucking liability insurance fills the gaps between jobs. When a driver finishes a load and is en route to their next assignment or heading home, they’re still protected. This continuity of coverage is crucial for drivers who want to stay fully insured at all times.
5. Reduces Financial Risks for Trucking Companies
Non-trucking liability insurance not only protects drivers but also minimizes risks for trucking companies. Without this coverage, trucking companies could be held indirectly liable for accidents involving leased drivers. By requiring non-trucking liability insurance, carriers can safeguard their operations and maintain a clear line between business and personal liability.
6. Easily Customizable to Meet Driver Needs
Non-trucking liability insurance can be tailored to fit the specific needs of leased drivers, depending on their personal driving habits and routes. Working with an insurance provider like BetterBind allows drivers to choose a policy that suits their unique schedules, ensuring that they’re covered in all non-business situations.
7. Enhances Overall Safety and Peace of Mind
Driving a truck for personal use comes with unique risks, and having coverage in place provides peace of mind for both drivers and carriers. Drivers can focus on safe driving without the stress of potential financial liabilities, while carriers can operate confidently, knowing their leased drivers are properly insured even when off duty.
Conclusion
Non-trucking liability insurance is a vital protection for leased drivers, offering coverage during non-business use and helping them avoid significant out-of-pocket expenses. By meeting carrier requirements and minimizing risks for both drivers and companies, this insurance provides essential peace of mind. BetterBind National Truck Insurance Agency offers tailored non-trucking liability solutions for leased drivers, ensuring that they stay protected on and off the clock.