Bobtail and non-trucking liability insurance
Liability cover for leased owner-operators for the miles their motor carrier's policy does not cover.
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What it pays for
- Injuries and damage you cause while driving off dispatch, such as going home after a load
- Bobtail: driving without a trailer attached, as your policy defines it
- Legal defense for a covered accident
What it leaves out
- Accidents while you are under dispatch (your motor carrier covers those)
- Damage to your own truck (that is physical damage)
- Freight on board
Who needs it
Owner-operators leased onto a motor carrier. Most lease agreements require you to carry one of these.
Requirements
Required by most lease agreements rather than by federal law. Policies define 'bobtail' and 'non-trucking' differently, so read the definitions before you compare prices.
Common questions
What's the difference between bobtail and non-trucking liability?
Non-trucking liability covers you whenever you are not under dispatch, with or without a trailer. Bobtail covers you when you are driving without a trailer, and some bobtail policies also apply under dispatch. Your lease agreement usually says which one you need.
Do I need this if I have my own authority?
No. With your own authority you carry primary auto liability, which covers you on and off the job.