Non-Trucking Liability insurance is often incorrectly referred to as bobtail insurance. However, bobtail isn’t the same thing as Non-Trucking Liability. Please review your contract or verify with your motor carrier to determine which coverage you need.

What is non-trucking liability?

Non-trucking liability insurance is a liability that covers when you use your business truck for personal use like going to the bank, grocery store or your kid’s special events. Since you are not driving for business purposes, there is no coverage under your trucker’s liability or business auto policy.

What is bobtail non-Trucking?

Bobtail Insurance is similar to non-trucking liability and provides coverage when operating a truck without a trailer is commonly known as “bobtailing.” Bobtail insurance covers the tractor anytime it is not attached to a trailer regardless of whether or not the truck is under dispatch.

What is a bobtail insurance policy?

Bobtail Liability — a term coined to apply to auto liability coverage for an owner/operator after a load has been delivered and while the truck is not being used for trucking purposes.

What is the difference between bobtail and non Trucking?

Unlike bobtail insurance that only covers you if you do not have a load attached, non-trucking liability protects owner-operators from liability claims when the truck is not being used for business purposes, whether or not there is a trailer in tow.

What is another name for bobtail insurance?

Non-Trucking liability
Bobtail Insurance and Non-Trucking liability are often used interchangeably in the trade.

What’s the difference between Bobtail and non-insurance?

Bobtail insurance will not provide coverage if you’re hauling any trailer, reefer or other load. Even if your trailer is completely empty at the time of the accident, bobtail insurance will not offer you any protection. Whether or not your accident occurs during a personal or business trip should not affect your coverage.

What’s the difference between trucking and non trucking insurance?

Non-Trucking Liability Insurance. Non-trucking liability insurance protects you from liability in accidents that occur when you’re using your semitruck for personal use. Grocery shopping, going to the movies or even hauling some dirt for your new garden are all covered.

When do I need bobtail insurance for my Tractor?

Bobtail insurance also applies when you drive home in your tractor after dropping off a load and the trailer. Bobtail insurance will not provide coverage if you’re hauling any trailer, reefer or other load. Even if your trailer is completely empty at the time of the accident, bobtail insurance will not offer you any protection.

Can a tractor accident affect your insurance coverage?

Whether or not your accident occurs during a personal or business trip should not affect your coverage. Using your tractor for personal errands, like grocery shopping, is fine as long as the errand does not involve you hauling a trailer or other equipment.