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Independent contractors, or owner-operators as they are known as in the trucking industry, are normally required by their motor carrier to carry non-trucking liability insurance, ie. bobtail insurance. non-trucking liability provides coverage for an owner-operator when they are not running under dispatch; when under dispatch, the auto liability coverage of the motor carrier usually is primary.
Non-trucking liability insurance is coverage for bodily injury and property damage that is caused by the operator of the equipment when the owner/operator is outside the scope of his lease agreement with the motor carrier.
Here are some other details about non-trucking liability insurance:
To protect their company’s primary auto liability policy, most motor carriers require that each leased operator purchase bobtail insurance.
InsureMyRig can provide excellent bobtail, or non-trucking liability, coverage to individuals, or as part of a group leased operator plan. For an individual quote online click HERE or for leased operator group plan information email our division manager Michael Lawrence firstname.lastname@example.org.
Before you purchase these coverages, check with your motor carrier on what they require you to have. And always deal with a professional insurance agent with extensive knowledge of the trucking industry, like the ones we have here at InsureMyRig.com.
In the semi insurance marketplace, often times the terms non-trucking liability and bobtail insurance are used interchangeably. However, they do not mean the same thing; both are liability coverages for commercial motor vehicles, and your motor carrier may require you as an owner/operator to have either one of these coverages. You absolutely need to verify the insurance requirements in the carrier’s lease agreement to determine your course of action.
Using your truck without the trailer attached is commonly referred to as “bobtailing” or “deadheading.” If you want to, or are required to have insurance coverage for when your truck is operated without the trailer, the type of insurance you should purchase is bobtail liability coverage. This type of liability protection will cover you when the truck is driven without the trailer, regardless of whether or not you are under dispatch and covers any damage that occurs to your truck. The coverage would apply, for example, when your drive your tractor without its trailer to and from the terminal. It would also apply when you are traveling between loads without the trailer attached. Again, bobtail liability coverage is applicable whether or not you were dispatched for these hauls; true bobtail liability insurance offers broader coverage than non-trucking liability insurance and it is usually more costly.
Non-trucking liability is what is required by most, but not all, motor carriers. Non-trucking is more narrow coverage, and therefore, less expensive than bobtail. To put it in the most general of terms, Non-trucking liability is coverage for operating your commercial motor vehicle for personal, non-business use. Commonly, non-trucking liability coverage applies when an owner/operator is not under dispatch.
Again, before you purchase either of these coverages, check with your motor carrier on what they require you to have. And always deal with a professional insurance agent with extensive knowledge of the trucking industry.
Driving your 18-wheeler without the trailer attached is known as bobtailing or, more commonly, deadheading. Semi owner operators who occasionally make deadhead trips with or without dispatch are usually required by their motor carrier to have special coverage, known as Bobtail insurance.
Here's what independent big rig drivers need to know about this insurance:
Bobtail liability insurance often is confused with non-trucking liability insurance, but there are a few important differences. They include:
Generally, trucking companies will require their independent big rig drivers to carry Bobtail insurance since it’s common for them to drive their 18 wheelers without their trailers but under dispatch.
Non-trucking liability insurance is not as common but still usually required by most commercial motor carriers since independent semi operators often drive their big rigs without trailers on personal trips.
Overall, Bobtail provides wider coverage than non-trucking liability and usually is more costly. The most requested coverage is the $1 million limit, but higher limits are available. Your cost will depend on the amount of coverage you carry for each but plan on spending more for bobtail coverage than non-trucking liability.
Remember: Before you buy either coverage, check with your motor carrier on which coverage is required and how much it costs. Then contact a professional trucking insurance agent with extensive knowledge of the trucking industry for a quote. You can save a lot of time and money working with a pro.
InsureMyRig.com has experienced bobtail and non-trucking liability insurance experts who can provide coverage to individual big rig drivers or to a group-leased operator plan. Give us a call today or fill out a quote online.
Here are 4 easy ways to get a semi truck quote from InsureMyRig:
1. Call  931 - 1934 Ext. 292
2. Owner/operators: Fill out the online quote form here or email:
3. Have own authority? Fill out the online quote form here or email:
4. Live chat:  475 - 8750