Bobtail Insurance

Bobtail Truck Insurance – Non-Trucking Liability Coverage
What Is Bobtail Truck Insurance?
Bobtail Insurance, also known as Non-Trucking Liability Insurance (NTL), provides coverage for owner-operators when their truck is not in commercial use. It protects against physical damage and third-party liability while the truck is being operated without a trailer.
Most states mandate this coverage when you have a leasing agreement with a transport provider, helping to close any potential liability gaps when using the truck for non-business purposes.

Bobtail Insurance vs. Non-Trucking Liability
Bobtail Insurance
Bobtail Insurance provides coverage for trucks when they are being driven without a trailer, whether or not they are under dispatch. For example, it applies when travelling between assignments or heading home after completing a delivery.
Non-Trucking Liability Insurance
Provides liability protection for accidents occurring when the truck is off duty and used for non-commercial purposes. This policy covers property damage or bodily injuries but does not include hauling or trailer activities.

Why Choose Bobtail Insurance?
- You’re driving your truck without a trailer.
- You’re in transit between deliveries or heading home after a load drop-off.
- You’re operating the truck for personal, non-commercial purposes.
You’re pulling a trailer, even an empty one.
- You’re pulling a trailer, even an empty one.
- You’re transporting cargo, as cargo insurance is needed in such cases.
What Do Bobtail Insurance Cover?
Bobtail Insurance typically covers :-
- Liability Protection : For bodily injury and property damage caused to third parties.
- Legal Expenses : Legal ExpenCovers legal fees incurred if an accident occurs while bobtailing and results in a lawsuit.


Factors Affecting Bobtail Insurance Costs
- Age and driving history of the operator.
- Type and model of the truck.
- Commercial Driver’s License (CDL) experience.
- Leasing agreements and frequency of personal use.
- Credit score and coverage limits.
Example Quote for New Jersey:
- Bobtail Insurance : Downpayment $209, Monthly $47.
- Bobtail + Physical Damage Insurance : Total Annual Premium $3,262.
Bobtail Insurance vs. Non-Trucking Liability

Customized coverage solutions designed to suit your specific needs.

Competitive premiums with flexible payment plans.

Fast claims processing, 24/7 support, and reliability.
Bobtail vs. Deadhead Insurance
It’s important to understand the difference between Bobtail and Deadhead Insurance:
- Bobtail Insurance : Provides liability coverage while driving without a trailer.
- Deadhead Insurance: Covers liability when driving with an empty trailer.
