Why Cargova
Same coverage. Different outcome.
We work the file by hand
An agent picks which markets see your submission. On a hard file that's most of the outcome.
We tell you when to walk
If this isn't the coverage you need, you'll hear that before you hear a price.
We stay after the bind
Filings, certificates, renewals — the same agent, not a queue.
In short
What non-trucking liability is.
Covers the truck when it is not under dispatch — driving home, running an errand. If you are leased on, your carrier's policy usually stops the moment you go off dispatch.
Limits, deductibles and exclusions depend on your operation and the carrier writing it.
Scope
Generally in, generally out.
A rough map. Your policy wording governs — ask your agent about anything here.
Typically addressed
- Liability while the truck is off dispatch
- Legal defence tied to a covered claim
Typically not
- Any movement under dispatch or with a load
- Damage to your own truck
- Freight
Free · No obligation
Quote my bobtail / ntl
Four fields. A licensed agent reviews it and calls you back — no auto-quote, no bot pricing.
Bobtail / NTL questions
Bobtail and non-trucking liability — same thing?
They are used interchangeably in conversation, but the wordings differ. Bobtail historically means without a trailer; NTL keys on dispatch status. Read which one you are buying.