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

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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?
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