Great West provides a unique policy for owner-operators (O/O) who lease their equipment on a long-term basis to motor carriers. Most lease agreements make the motor carrier responsible only when operating on their behalf or within their business. Non-Trucking Use (NTU) coverage is designed for the protection of independent truckers when they are not working under lease to a motor carrier, under dispatch of a carrier, or carrying property in any business.

At one time, this was called bobtail or deadhead liability. However, those two terms can also be used to describe normal operations on behalf of the carrier. An example: an O/O finishes a delivery and is dispatched to bobtail or deadhead to pick up another load. Non-trucking use is a better generic title for the actual coverage an O/O is buying. NTU exposures apply when an O/O is no longer operating under the terms of his/her lease agreement.

For example, a situation may occur when a driver takes his/her tractor to pick up some groceries and runs a stop sign, hitting a car. Liability coverage would be provided for the bodily injury and property damage the driver causes. NTU liability excludes an O/O doing any hauling of property, not just for the motor carrier. As such, it would also exclude coverage when using the insured unit to help a friend move his or her business.

The following coverages are also available:

  • Auto Medical Payments

  • Uninsured or Underinsured Motorist coverage

  • Personal Injury Protection (where state mandated)

  • Physical Damage coverage

Optional coverages available to O/Os are:

  • Motor Carrier Reimbursement for damaging property of the motor carrier if part of the lease agreement

  • Rental Reimbursement coverage to pay for renting a replacement if the insured tractor is down because of a covered loss

  • Electronic Equipment coverage

  • Miscellaneous Equipment

  • Commercial General Liability

  • Financed Value coverage

  • Lease Value coverage

  • Choice Plus coverage

This summary is intended for informational purposes only and does not replace or modify the definitions or information contained in any insurance policy or declaration page, which controls all coverage determinations. Terms and conditions may vary by state, and exclusions may apply.