If your truck’s lease is under your name, then non-trucking liability insurance in Farmington, CT is something you could highly benefit from.
The name of non-trucking liability insurance (NTL) can be slightly misleading. One look at the name and you may feel like the “non-trucking” bit of the title means that it won’t involve trucks. What it actually means is that this truck use is not associated with business—without this insurance, any claims you file won’t hold any merit because it occurred outside of business. With non-trucking liability insurance in Farmington, CT, your personal claims can pay for medical and other expenses associated with injuries to others or damage to other people’s property for which you were at fault.
Exceptions and Restrictions
NTL doesn’t provide coverage when you are using it for business or when hauling any type of cargo. Anything that could be considered using the vehicle for a business trip are all excluded from coverage. These, however, would generally be covered by the motor carrier’s primary liability insurance.
NTL doesn’t apply when you’re pulling a trailer or using the truck for any revenue-generating purposes. This kind of usage will be covered by the primary trucking liability insurance.
Physical Damage Coverage
This kind of coverage will protect you—as the name suggests—will cover you when you maintain physical damage to your truck caused by a collision, overturn, theft, or natural disaster.
Commercial truck insurance is the kind of insurance you need and non-trucking liability insurance is great to pair it with. To find the right commercial insurance in New Britain, CT, contact the insurance experts at North American Underwriters. Serving Bristol, Farmington, New Britain, Plainville, and surrounding Connecticut areas, we will work with you to ensure you have the right amount of protection, all at the right price to fit your budget.