Information on Bobtail Insurance

Details for truck owners/operators about bobtail insurance.

Independent trucking contractors, or owner-operators as they are known as in our industry, are usually required by their motor carrier to have Non-trucking Liability insurance, ie. bobtail insurance. This insurance covers the liability of the owner-operator when they are not running under dispatch; when under dispatch, the auto liability coverage of the motor carrier is in effect.

Non-trucking liability insurance is coverage for bodily injury and property damage that is caused by the operator of the vehicle when operating outside the scope of his lease agreement with the motor carrier. The limit for this type of coverage is usually $1 million, although higher limits may be available. It is not a replacement for primary liability, and is only in force when the owner-operator is driving his truck on personal time. To protect their company, the motor carrier requires that each leased operator purchase bobtail insurance.

InsureMyRig can provide excellent bobtail, or non-trucking liability, coverage to individuals, or as part of a group leased operator plan. For an individual quote online, please click here or for leased operator group plan information email our division manager Michael Lawrence.

If your fleet is more than 20 trucks, please visit our parent site here.