NON-TRUCKING LIABILITY
Non-Trucking Liability (NTL) insurance is important because it can help avoid the consequences of driving a truck for personal use without the right coverage, such as lawsuits or bankruptcy. Most motor carriers require drivers to have NTL insurance as part of their contract.
NTL insurance covers third-party injuries and property damage, and can help pay for medical bills and lawsuits. It doesn't cover drivers while they're working, such as when they're picking up or delivering a load, or loading or unloading.
​
OCCUPATIONAL ACCIDENT
Occupational accident insurance (OAI) is a private insurance policy that covers medical expenses and other benefits for employees and independent contractors who are not covered by workers' compensation. OAI is often used by independent contractors and owner-operators in the trucking industry.
PHYSICAL DAMAGE
Physical Damage (PD) insurance is a general term for a group of insurance coverages that protect your vehicle from damage. It typically includes collision and comprehensive insurance, and can cover losses from:
-
Collision: Damage caused by physical contact with another vehicle or object, like a tree, rock, or guardrail
-
Comprehensive: Damage caused by something other than a collision, like fire, theft, vandalism, falling objects, rollovers, hitting an animal, or earthquakes
OWN AUTHORITY INSURANCE
Ready to upgrade that NTL/PD policy to get coverages to activate your own authority with the FMCSA? We can help navigate that transition and secure the right coverages for you to get your business up and running.
SHORT TERM DRIVE HOME
Need a temporary 30 day NTL & PD insurance policy to get a truck serviced, inspected or to orientation? We have the short term solution for you. Our 30 day NTL/PD insurance policy can be placed within minutes and get you on the road where you belong.
​
*2 Years of Class A CDL Experience Required
**Not available in AK, HI or MA
MOTOR CARRIER ICP
(INDEPENDENT CONTRATOR PROGRAM)
Are you a motor carrier with 10+ independent contractors? OTR Insurance Solutions can help you place an independent contractor program (NTL/PD/Occ-Acc) to properly insure your ICs and insulate your current insurance coverages.