Non-trucking liability (NTL) insurance is designed for owner-operators who own their truck and are leased onto a motor carrier's DOT authority. It covers your truck when you're not under dispatch — personal use, deadheading home, or running errands. Your motor carrier's primary liability only protects you while you're actively working under their authority. NTL fills that gap.
Every policy is different. Here are the key coverages available for trucking insurance — we'll customize a package that fits your specific needs.
Covers bodily injury and property damage when you're driving your truck off-dispatch — personal use, errands, or deadheading home.
Comprehensive and collision coverage that protects your truck from accidents, theft, fire, vandalism, and weather damage — whether you're on or off duty.
24/7 emergency roadside help including towing, tire changes, jump starts, and lockout service — so a breakdown doesn't leave you stranded.
If you own your truck but lease on to a motor carrier, you almost certainly need NTL insurance. Your carrier's policy only covers you while under dispatch. Any time you're driving for personal use or heading home without a load, you're exposed — and NTL closes that gap.
See What You Can SaveFill out the form and a Nova Coverage agent will shop 50+ carriers to find you the best non-trucking liability rate — usually within 24 hours.
We're not locked into one carrier. As an independent agency, we represent 50+ top-rated insurance companies — so we shop the market to find you the best coverage at the best price.
They're often used interchangeably, but technically bobtail insurance covers you when driving without a trailer, while NTL covers any off-dispatch use. Most modern policies combine both into one NTL policy.
While not federally mandated, most carrier lease agreements require owner-operators to carry NTL insurance. Without it, you have no liability coverage when you're not under dispatch.
NTL is one of the most affordable commercial truck coverages, typically running $300–$800/year depending on your driving record and location. We shop multiple carriers to find you the best rate.
No. Your motor carrier's primary liability policy only covers you while you're actively under dispatch. Once you drop your load or go off-duty, that coverage ends — which is exactly why NTL exists.
Let Nova Coverage shop 50+ carriers for your best rate. It's free, fast, and no obligation.
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