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 is non-trucking insurance?

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 trucking?

What is Bobtailing? A semi-truck is in “bobtail” mode when it does not have a trailer attached. Truck drivers often drive a bobtail truck when they are on their way to pick up their cargo at the beginning of a shift, or after dropping their cargo off at the end.

What is the average cost of bobtail insurance?

The cost of bobtail insurance depends on several factors. During the underwriting process, insurance companies review driving history, limits requested and frequency of truck use without a trailer. It typically costs between $20 and $50 per month depending on these factors.

Why is it called a bobtail truck?

A bobtail truck is a truck without a trailer attached to it. The name is thought to have come from the Bobtail cat, a breed of cat with a distinctly stubby “bobbed” tail (not to be confused with the bobcat).

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.

When do you need insurance for a semitruck?

If you own a semitruck and work as an independent contractor, you’ll probably need insurance beyond what your motor carrier offers you. In most cases, when you’re under dispatch, you’re covered by the business insurance your motor carrier provides. However, once you’re off the clock, you’re also not covered by that policy.