How it works
Non-Trucking Liability Insurance
Liability coverage for leased owner-operators when the truck is off dispatch.
Explainer video coming soon
Read on for how NTL works.
$1MM limit, roughly $1/day per unit, start online.
- $1MM liability limit
- ~$1/day per unit
- Monthly subscription, first month pro-rated
- Start online 24/7, no agent hours needed
- Limit
- $1MM
- Premium
- ~$1 / day / unit
- Term
- Monthly, cancel anytime
- Covers
- Off-dispatch use
- Requires
- Permanent lease agreement
- Certificate
- Instant
What is non-trucking liability insurance?
Non-trucking liability (NTL), often called bobtail insurance, is liability coverage for a leased owner-operator when the truck is being used for non-business purposes and is not under dispatch. Trucking liability, carried by the motor carrier you're leased to, is what covers you when you're hauling for hire; NTL picks up the rest.
CargoLabs sells NTL as a monthly subscription: ~$1/day per unit, a $1MM limit, first month pro-rated, renews monthly until you cancel. It's built for owner-operators operating under a permanent lease agreement, which matches the three acknowledgements you confirm during enrollment.
Common questions
What is non-trucking liability (bobtail) insurance?
It's liability coverage for a leased owner-operator when the truck is not under dispatch and is being used for non-business purposes. It fills the gap left by the motor carrier's trucking liability policy, which only responds while you're on their business.
Who can buy NTL through CargoLabs?
Owner-operators who are operating under a permanent lease agreement with a motor carrier. During enrollment you confirm that you understand NTL covers you when you are not running under dispatch, that trucking liability is needed when hauling for hire, and that you are operating under a permanent lease.
What does NTL cost and what is the limit?
About $1 per day per unit, billed monthly and pro-rated for the first month, with a $1,000,000 liability limit. The recurring price, including processing, is shown at checkout.
Does NTL cover me while I'm hauling a load?
No. When you are under dispatch or hauling for hire, the motor carrier's trucking liability policy is the coverage that applies. NTL is for the miles in between.
How does billing work?
It's a monthly subscription. Coverage is provided only after a successful payment for the coverage dates, becomes effective on the start date you select, and renews monthly until you cancel.
Can I add more than one truck?
Yes. Pricing is per unit per month, so each power unit you enroll is ~$1/day, billed monthly.