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Bobtail truck insurance
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Last Updated: January 24, 2012

 

What is bobtail insurance?

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  • A term coined to apply to auto liability coverage for an owner/operator after a load has been delivered and while the truck is not being used in the business of the motor carrier. This usually occurs when an owner/operator is operating his or her vehicle for personal use only (e.g., on the way home), and not in the course of transporting property for the motor carrier under whose operating authority they haul, and on whose liability policy they depend while they are engaged in trucking. The method of providing what is known as bobtail liability is a business auto policy with the Truckers—Insurance for Non-Trucking Use endorsement attached.
  • This type of liability insurance pertains to the trucking industry. It covers a tractor traveling without a trailer.

  • Bobtail insurance and non-trucking liability are not always the same. Even though they’re used interchangeably very often, they’re not the same thing. Bobtail insurance typically protects the tractor when it's being operated without a trailer, regardless of whether or not it's under dispatch. Non-Trucking Liability, however, protects the tractor when it's being operated off dispatch, regardless of whether or not it's pulling a trailer.

If you need to get a quote on bobtail insurance contact our division manager, Michael Lawrence, or any of our sales representatives and give them your truck information and they will get you a quote.