Non-Trucking Liability Insurance (NTL)
Non-Trucking Liability Insurance helps protect you when you are driving your truck off dispatch. Compare NTL quotes from top-rated carriers to get the right coverage at the right price.
Partnered with 100+ carriers to help you find the best value.
When does NTL coverage apply?
Non-Trucking Liability Insurance helps cover third-party bodily injury and property damage when you are not under a motor carrier’s dispatch and the truck is being used for non-business purposes. It is commonly used by owner-operators who are leased to a motor carrier, since the motor carrier’s primary auto liability typically applies while you are dispatched. NTL is sometimes called bobtail insurance, but coverage details vary by carrier and policy form, so it is important to review the terms before binding.
How do I compare NTL quotes?
Most contractors end up with whatever NTL form their motor carrier recommends without seeing other options. A better comparison looks at premium and the policy details that change how the coverage works in real life.
Compare these side by side:
- Coverage limits required by your contract
- What “off dispatch” means in the carrier’s form
- Key exclusions and permitted uses
- Certificate wording requirements and turnaround time
Infinite collects options from multiple carriers and puts them into a clean, apples-to-apples view so you can choose based on total fit, not just the first number you see.
No phone tag. No waiting on callbacks. Just quotes you can actually compare.
What do motor carriers require for compliance?
Non-Trucking Liability Insurance often needs to match specific motor carrier requirements, including minimum limits, certificate language, and additional insured wording. If your policy does not meet the contract specs, your truck can get sidelined even if you are paying for coverage.
Infinite helps you align coverage to the requirements your motor carrier expects, then keeps certificates current so you are not chasing paperwork when you need to haul.
How do I manage NTL across a fleet?
Managing NTL across multiple trucks is an operational problem, not a one-time purchase. Trucks get added, retired, and reassigned. Drivers change. Carriers update requirements.
Infinite helps manage ongoing updates so vehicles stay correctly listed, certificates stay current, and changes get processed quickly instead of piling up.
Can I bundle NTL with the rest of my contractor coverage?
Most contractors need more than NTL. Depending on your operation and contracts, you may also need workers’ comp, occupational accident, general liability, or motor truck cargo.
Infinite can coordinate multiple coverages in one place so renewals are easier to manage and you do not miss a requirement.
Why fleets choose Infinite for NTL insurance.
Real reviews on fast quotes, clear guidance, and support that stays with you after you bind.
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