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.