Bobtail and Non-Trucking Liability Insurance
What bobtail and non-trucking liability insurance usually covers, when it applies to leased owner-operators, and the details needed to request a quote.
Coverage for the tractor when it is not under dispatch, and why leasing carriers often require it.
What bobtail insurance is
Driving a tractor without a trailer is called bobtailing. Bobtail insurance, and the closely related non-trucking liability (NTL) coverage, generally pays for liability when you use the tractor and are not under dispatch for the carrier you lease to, for example driving home or to a repair shop.
The two terms are sometimes used interchangeably, but policy wording differs between insurers, so always read what your policy actually says.
How it fits with the carrier’s coverage
When you are hauling a load under dispatch, the carrier’s primary liability policy normally applies. Bobtail or NTL coverage is meant for the time when you are not. Your lease agreement usually states exactly which coverages you must carry and the limits required.
What it usually does not do
- Cargo bobtail and NTL are liability coverages and are not a substitute for cargo insurance.
- Damage to your own truck that is physical damage coverage, which can be added separately.
- Injuries to you ask about occupational accident coverage for owner-operators.
What we ask for when quoting bobtail
If you want physical damage on the truck, include its value so it can be quoted with the policy.
- Policy name your name or your company name, as it appears on the lease agreement.
- DOT number if you have one.
- Truck details year, make, model and VIN.
- Driver details full name, date of birth and CDL number.
- Lease agreement a copy of the lease with the company you run under.
Questions
Is bobtail the same as non-trucking liability?
They overlap and the names are often used for the same thing, but the exact coverage depends on the policy wording. Compare the actual terms.
Why does my lease require bobtail coverage?
Leasing carriers want liability protection for the times the tractor is not under their dispatch. Your lease agreement lists the required coverages and limits.
Can I add physical damage to a bobtail policy?
Often you can request physical damage coverage for the truck and trailer alongside it. Tell us the value of each unit when you request the quote.