Bobtail Insurance

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What is Bobtail Insurance?

The trucking industry is crucial to the overall well-being of our economy. Businesses and individuals rely on you to move goods from point A to point B. Through the years it’s grown to be the number one source for moving freight. Without trucking, businesses wouldn’t have goods to sell, and we wouldn’t be able to buy food, gasoline, and other necessities for survival.

Most days you drive with a trailer attached delivering products where they need to be. But, sometimes you don’t. If you are operating under someone else's trucking authority and you drive without a trailer, this is referred to as bobtailing.

Bobtail insurance is liability insurance that provides protection when you are driving a truck without a trailer.

Do I Need Bobtail Insurance?

You need insurance no matter when you drive your truck. If you drive a truck under someone else's trucking authority your motor carrier's or truckers liability insurance only protects while you are under dispatch or hauling a trailer, you need individual coverage for other driving scenarios.

Bobtail insurance is the policy for you if:

  • You drive a truck under someone else's trucking authority without a trailer at any time
  • You want to protect yourself from lawsuits or high out-of-pocket expenses if an accident occurs
  • Your motor carrier requires you to carry the coverage

Bobtail insurance isn’t the right policy if:

  • You don’t drive a truck without a trailer
  • If you need coverage for driving recreationally or on personal trips

What 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. Scenarios you would be covered for include:

  • You’re involved in an accident after you deliver a load and are your way to the pickup your next load
  • You’re involved in an accident on your way to pick up your first load
  • You’re involved in an accident on your way home from a delivery

Bobtail insurance does not cover physical damage to your truck in these scenarios. It pays costs associated with liability including legal fees, medical bills for injury, and settlement expenses.

How Much Does Bobtail Insurance Cost?

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. Many insurance companies offer this coverage on business auto policies by endorsement.

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What is the difference between Bobtail Insurance and Non-Trucking Liability?

Bobtail Insurance and Non-Trucking liability are often used interchangeably in the trade. While they seem similar to each other, there’s a massive difference between these two policies. Understanding their fundamental differences is indeed crucial before you obtain the right insurance for your trucking business.

Bobtail Insurance

Is only applicable when you are driving a truck under someone else’s trucking authority without the trailer attached on a vehicle. For example, when you drop goods on Point A then drive to Point B without a trailer, Bobtail Insurance provides the needed coverage between this gap should something happen during your travel.

Non-trucking Liability

Offers protection when you use your vehicle for non-business related purposes. If you use your truck for personal reasons other than commercial driving, like picking up your kids, going to the laundry shop, grocery shopping, etc., this policy will protect you from liabilities incurred during non-business trips.

So to put it simply, always remember that Bobtail Insurance applies when you travel without a trailer and drive under someone else’s trucking authority. Whether you are driving for business purposes or personal reasons, it doesn’t matter as long as you don’t have a haul. Alternatively, Non-Trucking Liability insurance comes handy when you use your truck for personal use other than business reasons, and a trailer should be attached on your vehicle.

Business Insurance

Running a business is challenging enough without having to worry about lawsuits, employee injuries or property damage. Having the right insurance gives you the peace of mind to focus on what matters - running your business.

The coverage you need depends on the type of business you run. A restaurant owner needs to be covered against customers possibly getting food poisoning while an accountant needs to be covered against calculation errors. CoverWallet's intelligent assessment system will identify the insurance you need based on your specific business, get you a policy that fits your budget, and do it all in less time than you think.

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