BOBTAIL Insurance
(Non-trucking Liability)

What Does That Mean?
Driving your semi without a trailer is commonly referred to as bobtailing or deadheading. Owner-operators, who bobtail from time to time are often required by the carrier to have an insurance, which covers them in case of an accident when they travel NOT UNDER DISPATCH – known as Bobtail trucking insurance.
Some important point owner-operators need to consider regarding this type of insurance:

  • Bobtail Truck Insurance offers liability coverage for any trips you make with your semi without a trailer but MOST importantly MUST NOT be under dispatch
  • If the bobtail is under dispatch (dispatch told him to go hook a loaded trailer or something) he is covered by the motor carriers trucking liability.

What is Non-Trucking Liability Insurance ( BOBTAIL)?
Bobtail insurance is commonly known as non-trucking liability insurance.

  • Non-trucking liability insurance could provide protection when not under dispatch for property or vehicle damage, as well as physical injury to a third party when the bobtail is used with non-business intent
  • If you are an owner-operator, non-trucking liability insurance is good for you if you are under lease
  • No insurance coverage if the driver is under dispatch

EXAMPLE: when the owner-operator decides that he needs to go home with his truck, and more importantly he is not dispatch with a load, and an accident occurs, this is when the bobtail insurance kicks in. That is why the insurance is called NON-trucking liability, because it usually occurs without a load, or without a purpose of loading/unloading or transporting cargo.
Typically motor carriers expect independent drivers to have a Non-trucking Liability Insurance as well, since owner-operators drive their trucks without the trailer on personal runs. It’s important to mention that Non-trucking Liability Insurance – up to $1 million limit. Higher max limits could be requested as well. As with most insurances – the amount of coverage you want directly impacts the price of the insurance.

Insurance Quote

Coverages You Need:
Primary Liability
Bobtail Liability
Motor Truck Cargo
Hired Auto
Trailer Intercharge
Physical Damage
General Liability
Non-Owned Auto

What Three Major Cities Do You Travel Through?

Limits of Liability
If your`re not sure what you need in your state, call us at 312-509-9666 and we`ll tell you!

Amount of Cargo Insurance

Type of Cargo Being Transported

If "Other" For Cargo, Please Describe

Radius of Operation

Tractor Information - Year, Make & Value for Each Tractor

TrailerInformation - Year, Make & Value for Each Trailer

For Each Driver: List Date of Birth and Years of Driving Experience
Driver name, DOB, Years of Experience

Have Any of the Drivers had Moving, Violations or Accidents in the Past Three Years?
Feel free to leave details.

First Name*
Last Name*
If you would prefer we email you instead, feel free to leave this blank.

Zip Code

DOT Number
If you don`t have it handy right now, that`s fine... leave it blank and we`ll get that from you later.