Even during your time off, accidents can still occur while using your truck for personal purposes. Commercial policies typically don’t cover injuries or damages caused to a third party during non-work related activities. That’s where non-trucking liability coverage comes in, providing protection for such incidents outside of work-related situations.
Policyholders should distinguish between non-business purposes and business-related activities that may not involve transit. Non-trucking liability coverage is not applicable while generating revenue or pulling a loaded trailer. However, activities such as driving without a load, truck maintenance, fueling, and washing are covered under primary liability insurance. It is important to understand these distinctions to ensure appropriate coverage for different scenarios.
If you have questions or require clarification about non-business purposes versus business-related purposes, please contact your broker.
