Liability coverage may be limited to non-trucking use when the autos are not rented, nor used for business purposes to carry property or to haul someone’s trailers. One80 is pleased to offer Non-Trucking Liability Coverage, designed to address the non-trucking insurance needs of Independent Service Providers (ISP) and Independent Contractors (IC) while off dispatch, or true Non-Trucking Liability (NTL) coverage that have placed their coverage outside of the IEPM Preferred Logistics Program.
The motor carrier must have commercial auto in place and their insurance carrier rating must be A- or better. NTL limits cannot exceed the primary auto liability insurance in place on the scheduled vehicles.
Non-Trucking Liability Overview
The target classes and typical risks we focus on for this program are:
- Independent Service Providers (ISP)
- Independent Contractors (IC)
The key features of this program are:
- Admitted NTL available – vehicles 24,999 GVW and over and in all states except Alaska, Hawaii, Kansas, Massachusetts, New York, Virginia and Vermont.
- Non-Admitted: NTL and Auto Physical Damage – all states except New York, Michigan, and/or West Virginia.
- Reporting form available.
- Can be written as package with APD or monoline AL and monoline APD.
- Direct Bill option available.
The available coverages we have to offer for this program are:
- Auto Liability
- Personal Injury Protection per state requirements
- Uninsured/Underinsured Motorist per state requirements
- Auto Medical Payments per state requirements
- Auto Physical Damage
Maximum Limits:
- Non-Trucking Liability:
- $1,000,000 CSL
- Personal Injury Protection per state requirements
- Uninsured/Underinsured Motorist per state requirements
- Auto Medical Payments per state requirements
- Auto Physical Damage:
- Maximum Limits: $300,000 any one unit, $400,000 any one combined tractor/trailer subject to $1,000,000 Aggregate/Concentration
- Towing is available
The submission requirements of this program are:
- Fully completed NTL Application.
- Current MVR on all drivers including owner.
- Currently valued company loss runs for the past 3-5 years.
- Resume showing owner/manager has minimum of 3 years’ trade experience as a manager or supervisor at a similar operation.
- Commodities Hauled.
- Name and DOT# of the Motor Carrier the applicant is leased to.
- Copy of the lease agreement.
- Driver List.
- Vehicle List.