Bobtail insurance is a crucial liability coverage for truckers, especially those who own their trucks and are leased onto a motor carrier. It provides coverage for property damage or injuries caused to others while driving the truck without a trailer attached, a situation known as "bobtailing."

Here's a breakdown of key points regarding bobtail insurance:

  1. Definition: Bobtail insurance covers property damage or injuries caused by the truck while it's not hauling a trailer. This coverage is essential for truckers who frequently drive without a trailer attached, such as when dropping off a load and traveling to pick up the next one.

  2. Who Needs Bobtail Insurance: Truck drivers who own their trucks and are leased onto a motor carrier often require bobtail insurance. It's necessary for instances when they're driving without a trailer attached, either between loads or for personal reasons.

  3. Typical Cost: The cost of bobtail insurance typically ranges from $35 to $60 per month for a policy with a $1,000,000 limit. It's essential to review the policy details to understand what's covered and excluded before making a decision.

Non-trucking liability insurance is another essential coverage for truckers. It provides coverage for property damage or injuries caused by the truck while it's not being used for business purposes, such as driving for personal reasons or during temporary bobtailing situations.

Here's a comparison between bobtail insurance and non-trucking liability insurance:

  • Bobtail Insurance: Covers property damage or injuries caused by the truck while driving without a trailer attached, typically between loads or for personal reasons.

  • Non-Trucking Liability Insurance: Covers property damage or injuries caused by the truck while it's not being used for business purposes, such as personal use or temporary bobtailing situations.

Both coverages offer additional protection beyond primary liability insurance and are crucial for truckers to safeguard their livelihoods. Understanding the differences between these coverages can help truckers determine their insurance needs accurately. If you're an owner-operator leasing onto a motor carrier, you may also need physical damage insurance, and comparing policies can help you find the best deal and save money.