2213 S Ferdon Blvd
Because each Non-Trucking Liability Insurance policy varies greatly according to the type of truck and the way it is used, it is important to work with an agent that knows your needs to match your business to the right type of policy.
Fortunately, our experienced agents can save you time and money by comparing options, limits, and deductibles. Do not make the mistake of thinking you have the best coverage available. Allow Barbee Jackson Insurance a chance to show you just how affordable the comprehensive coverage that you deserve can actually be. We give you unbiased advice with the coverage options you need.
We get this question a lot here at the agency. Don’t worry. At Barbee Jackson Insurance we have you covered for Non-Trucking Liability Insurance.
Non-Trucking Liability Insurance is a type of commercial auto liability that is specifically designed to cover owner operators who are leased onto and run under the authority of a parent company when they are off the clock. Most carriers consider an owner operator on the clock from the time they are dispatched until they pull back into their home address after dropping their last load. It is important to note that you can be unhooked from a trailer but still be considered on the clock. If you are under dispatch you are on the clock. It does not matter if you are hooked up to a trailer or not.
It is the responsibility of your parent company to provide liability coverage while you are on the clock. Non-Trucking Liability Insurance is meant to provide liability insurance when you are using your truck for personal reasons. For example, if you take your truck to get it washed over the weekend or maybe take it in for a tune up at the local tire and lube these are considered personal trips. During these types of trips your Non-Trucking Liability Insurance would be responsible for any claims that arise.
We have staff specifically trained to help you out with Non-Trucking Liability and Physical Damage coverage. Our agents have over 30 years of combined insurance experience. This ensures that you get the precise coverage to fit your needs at an affordable price.
A client came to us a few months ago because he was upset with his current agent. The client was leased on to a parent company as an owner operator. His current agent sold him a physical damage policy for his truck in case it was damaged. The client knew that his primary trucking liability insurance was being provided to him by his parent company because they were taking money out of his check every week to cover that expense. The client thought that the combination of both the primary trucking liability coverage through his parent company and the stand alone physical damage policy had him fully covered with no gaps.
A few months after purchasing the physical damage policy the client was driving his tractor on a weekend on his way to an auto show. He was using his rig to trailer his classic car to the show. On the way to the auto show it started raining. The client explained that a vehicle in front of him stopped suddenly at a yellow light. The client was not able to stop his truck in time. He was able to slow the truck down enough that it was a minor impact by the time he hit the car in front of him. When dealing with a tractor trailer though, even a minor impact can cause considerable damage to the other vehicle involved. Fortunately, the driver of the other car was not hurt at all in the accident. The other driver’s car on the other hand had pretty severe damage. An estimate came out at $4,280 in damages. The client’s tractor had no real damage.
The client decided that he was going to need to file a claim due to the amount of damage. He called his agent and the agent explained that since there was no physical damage coverage to the client’s tractor the physical damage policy would provide no coverage in this case. The agent advised the client to contact his parent company and file a claim against the primary trucking liability coverage. The client called the agent for the trucking company and that is when he received the bad news. The primary trucking liability coverage provided to the insured by the parent company only provided liability coverage while the insured was ON THE CLOCK (Under Dispatch). In the situation described above the client was using his truck for personal use on a weekend. This was in no way connected to him working for the parent company. The claim was denied and the client was forced to pay out of pocket for the damage to the other driver’s car.
This example shows why it is important to have a knowledgeable agent who recognizes possible gaps in your coverage. The agent should have advised the client that to be fully covered he would need a non-trucking liability policy. A non-trucking liability policy would have paid out for the damage to the other driver’s car in the situation described above. In this scenario the client was very fortunate that only the other driver’s vehicle was damaged. If the accident had been worse or even caused injuries the outcome could have been tragic.