Compare Non-Trucking Liability Insurance Companies

As an independent trucking insurance agency, we compare multiple insurance companies to help leased owner-operators find competitive Non-Trucking Liability Insurance coverage.

Why Owner-Operators Choose Annagard for Non-Trucking Liability Insurance

New Jersey Based

Local agency that understands NJ trucking regulations.

Independent Agency

We compare multiple insurance companies to find competitive rates.

Trucking Specialists

We focus on owner operators, fleets, and new ventures.

Same-Day Certificates

Fast COIs and policy changes when you need them.

FMCSA Filings

BMC-91X, Form E, and other required filings handled quickly.

Licensed in 48 States

We can help trucking businesses operating throughout most of the United States, subject to carrier availability and licensing requirements.

Serving Truckers Since 2021

Annagard has helped owner-operators, new ventures, and growing fleets navigate commercial truck insurance since 2021.

5-Star Google Reviews

Trusted by trucking companies throughout New Jersey.

12+ Insurance Companies

We work with multiple trucking insurance companies and program administrators to compare available coverage and pricing for your operation.

Commercial Truck Insurance Coverages

Finding the right commercial truck insurance starts with understanding the coverages your business needs. Whether you’re hauling locally throughout New Jersey or operating across state lines, we’ll help you compare coverage options designed for your operation.

Primary Liability Insurance

Primary Liability is the foundation of every commercial trucking policy. It helps cover bodily injury and property damage if you’re responsible for an accident while operating your truck and satisfies federal and state liability requirements for many motor carriers.
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Motor Truck Cargo Insurance

Protect the freight you’re transporting from covered losses such as theft, fire, collision, or overturn. Cargo insurance is often required by freight brokers and shippers before they’ll work with your trucking company.
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Physical Damage Coverage

Physical Damage helps repair or replace your truck after covered events such as collisions, theft, vandalism, fire, hail, or severe weather. Available for financed, leased, and owned trucks.
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Non-Trucking Liability

Designed for leased owner-operators, Non-Trucking Liability provides protection while using your truck for personal, non-business purposes when you’re not under dispatch.
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General Liability Insurance

General Liability helps protect your trucking business from certain third-party claims involving your business operations that aren’t directly related to driving your truck.
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Workers’ Compensation

If your trucking company has employees, Workers’ Compensation helps cover work-related injuries while helping your business comply with state requirements.
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Trailer Interchange Coverage

Trailer Interchange helps protect trailers you don’t own while they’re in your possession under a written interchange agreement.
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Short-Term Truck Insurance

Need temporary truck insurance to move a newly purchased truck or satisfy a short-term requirement? We can help determine whether temporary coverage is available for your operation.
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Our Simple Quote Process

Getting commercial truck insurance doesn’t have to be complicated.

Complete the Quote Form

Tell us about your trucking business and the coverage you’re shopping for.

We Review Your Operation

We’ll discuss your trucks, drivers, operating radius, cargo, and insurance needs.

We Compare Insurance Markets

We’ll shop multiple insurance companies to find coverage options for your operation.

Choose Your Coverage

Select the policy that best fits your trucking business and get on the road.

Frequently Asked Questions

What is Non-Trucking Liability Insurance?

Non-Trucking Liability (NTL) Insurance helps protect leased owner-operators while operating their tractor for personal, non-business purposes when they are not under dispatch. Coverage depends on the policy language, exclusions, and insurer guidelines.

Who needs Non-Trucking Liability Insurance?

Many leased owner-operators purchase Non-Trucking Liability Insurance because it may be required by their lease agreement or motor carrier. Coverage requirements vary by carrier.

Does Non-Trucking Liability Insurance cover me while under dispatch?

No. Non-Trucking Liability Insurance generally does not provide coverage while operating under dispatch, hauling freight, or performing business-related activities. Always review your policy for specific exclusions.

Is Non-Trucking Liability Insurance available in New Jersey?

Yes. Annagard Insurance Agency helps leased owner-operators compare Non-Trucking Liability Insurance options in New Jersey and many other states.

How do I get a Non-Trucking Liability Insurance quote?

Complete our online quote request or call our trucking insurance specialists. We’ll compare multiple insurance companies to help you find competitive Non-Trucking Liability coverage.

What information do I need for a quote?

Typically, we’ll need your contact information, business details, vehicle information, driver information, and the type of coverage you’re looking for. If you’re not sure what you’ll need, we’ll guide you through the process.

Need a Non-Trucking Liability Insurance Quote?

Looking for affordable Non-Trucking Liability Insurance? Annagard Insurance Agency compares multiple insurance companies to help leased owner-operators find the right NTL coverage. Complete your quote request today or call us to speak with a trucking insurance specialist.

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Call (908) 888-0120

Non-Trucking Liability (NTL) Insurance Quotes