Non-Trucking Liability (Bobtail) Insurance
Non-trucking liability (bobtail) covers a truck when it is driven for non-business use, outside the motor carrier’s dispatch and primary liability.
Drivers leased onto a motor carrier are covered by that carrier’s liability only while under dispatch. The moment the truck is used personally — bobtailing home, running an errand — that coverage drops off. Non-trucking liability fills the gap.
What it covers
- Liability while the truck is operated off dispatch
- Personal-use driving of a leased-on tractor
- The coverage gap owner-operators carry alongside a motor carrier lease
Who needs it
Owner-operators leased onto a motor carrier whose primary liability only applies while under dispatch.
Common questions
- What is the difference between bobtail and non-trucking liability?
- They are used interchangeably. "Bobtail" technically means driving the tractor without a trailer; non-trucking liability is the policy that covers a leased-on truck when it is driven for non-business purposes, trailer or not.