If you are driving your rig from completion point of one job and your next dispatch point and undertake any personal use along the way (or even if you don’t!), your bobtail insurance (see separate article) might not cover you — the insurer might argue that your use of the truck was outside of the scope of coverage.  Non-trucking liability coverage is essential to protect you. Note that this insurance is different from bobtail insurance in that bobtail insurance provides coverage for driving without a trailer while you are still on company business, such as moving from one terminal to another.

Limits of coverage, which is the maximum amount the insurer will pay in case of a loss, should be the same as you have under your primary liability policy; the same with deductibles, which are the amount that you must pay before the insurer begins to pay.  Note that as rigs are generally not driven a great deal of the time on personal business, non-trucking liability coverage is not expensive.