You might rest on your day off, but your truck may not. Many drivers use their vehicles for non-business purposes, including personal travel, running errands, and hauling large items during a move. Unfortunately, accidents happen, but your commercial policy cannot cover physical injuries or damages caused to a third party that are non-work related. Non-trucking liability coverage, however, does.
It is important for the policyholder to understand the difference between non-business purposes and purposes that are business-related, but not necessarily transit-related. Policyholders may not use this coverage while generating revenue of any kind, pulling a loaded trailer. Additionally, driving without a load, washing the truck, and servicing or fueling are all covered by primary liability insurance.
If you have questions or require clarification about non-business purposes versus business-related purposes, please contact your broker.
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