Bobtail insurance is commercial liability insurance for motor vehicles and is purchased by owner operators…
Non-Trucking Liability or Bobtail Insurance?
Bobtail insurance coverage applies to a semi not in the act of pulling a trailer and covers only the tractor. This coverage is generally broader coverage than Non-Trucking Liability as it covers the tractor when the truck is driven irrespective of whether the equipment is under dispatch. A business auto policy on the truckers form with a non-trucking using endorsement is the typical method for providing this type of coverage.
There is a similar coverage also available called non-trucking liability. This coverage would protect the tractor when it is not under dispatch and irrespective of whether the tractor is attached to a trailer. This type of coverage applies only when the truck is not under dispatch and provides coverage for areas such as personal use.