Bobtail insurance covers you and your semitruck when you’re not hauling a trailer or other load. 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.

What’s the difference between non-trucking liability and bobtail insurance?

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 the difference between bobtail and physical damage insurance?

When bobtail covers any liability that may arise from the accident when your truck is without cargo, a physical damage policy covers all damages that your truck may have an encounter. In case of an accident, bobtail insurance doesn’t cover damages sustained by your truck as it covers liabilities only.

Does bobtail cover physical damage?

Bobtail usually covers damage to other people’s property and injuries to others. For that, you would need comprehensive or collision insurance (or physical damage insurance.) It’s really important to make sure that you have the right insurance to protect yourself and your business.

Does Geico do bobtail insurance?

We currently don’t offer insurance for semi-trucks and tractor-trailers.

What kind of insurance does bobtail insurance cover?

Bobtail insurance is a liability only policy. It covers you if you’re involved in and responsible for an accident while driving a truck under someone else’s trucking liability without a trailer.

What kind of liability insurance does a trucker have?

The method of providing what is known as bobtail liability is a business auto policy (BAP) with the Truckers—Insurance for Non-Trucking Use endorsement (CA 23 09) attached.

What kind of insurance do I need for a rig?

Your rig is your biggest asset, so it’s essential to have the insurance needed to repair or replace your rig if you’re in an accident. Bobtail insurance can sometimes be combined with your current insurance policy. A typical policy, and your policy may be different, should offer a minimum coverage of $1 million.