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Primary Liability Vs. Non-Trucking Liability: What’s the Difference?

Trucking Insurance

Finding insurance for a semi-truck isn’t the same as finding it for a personal vehicle. For example, you only need to purchase one policy for your car. Yet, a commercial truck must have multiple kinds of coverage. That’s because a semi’s policies become inactive depending on how the rig is used. So, let’s look at the two main types of semi-truck coverage—primary liability vs. non-trucking liability.

MTG Insurance - non-trucking liability

Primary Liability Insurance


All commercial trucks are legally required to have primary auto liability insurance. This policy covers third-party damages in the event of an accident for which the insured truck is at-fault. The minimum limit required for this coverage depends upon the materials a rig hauls.


However, primary liability insurance does not cover damage done to the truck itself. Instead, you need physical damage coverage to protect your vehicle.


Non-Trucking Liability


Non-trucking liability covers off-duty trucks and drivers. A primary liability policy won’t cover a commercial truck when it’s not under dispatch or working to benefit the motor carrier, so non-trucking liability fills the gap. For example, this policy provides coverage for runs to the truck wash or leisurely drives on sunny afternoons. Most trucking companies require drivers to carry this kind of policy, so they’ll have protection for damages caused in off-duty accidents.


At MTG Insurance, we recommend a limit of $1 million for a non-trucking liability policy.


Finding the Right Policies


MTG agents have been helping owner/operators protect their rigs and fleets for over 70 years. As a result, we understand trucking clients’ unique situations and the insurance policies they require.


So, if you’re in the trucking industry, let us help preserve your investments. Contact an MTG Insurance agent today to discuss which primary liability and non-trucking policies will offer your rig or fleet the best coverage.