BOBTAIL INSURANCE

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What is Bobtail Insurance?

Bobtail Coverage is a type of insurance that will provide coverage for bodily injury and property damage to others while you are operating your vehicle for business purposes, AND are not attached to a trailer or hauling a commodity.

This coverage would kick in if you have just finished dropping off a shipment and are on your way to pick up another one.

Who Needs Bobtail and Why?

This type of coverage is recommended to anyone looking to fill in any gaps in coverage and is a great addition to have on top of your Primary Liability coverage.

Bobtail Coverage VS Non-Trucking Liability

Bobtail Coverage can sometimes get confused with another type of coverage known as Non-Trucking Liability (NTL) coverage. This is because both of these coverages involve operating a power unit while not attached to a trailer or hauling commodities.

These two coverage are still very different coverages as Bobtail coverage will only kick in if you are operating the vehicle for business purposes while not pulling a trailer or a commodity and Non-Trucking Liability will only apply when you are operating your vehicle for personal use.

What Bobtail Insurance Covers

Bobtail Coverage will cover any bodily injury or property damage done to others while operating your vehicle without a trailer attached and for business purposes.

What Bobtail Insurance Doesn't Cover

This coverage will not provide coverage for:

Bodily Injury and Property Damage to others while the vehicle is being used for personal use
Bodily Injury and Property Damage to others while the vehicle is pulling a trailer and being used for business use
Damage to your vehicle
Damage to your cargo
Damage to the operator of the vehicle

What Limits You Typically Need

Motor carriers will typically acquire a Bobtail insurance policy with a limit of $1,000,000 Combined Single Limit (CSL).

How Much This Coverage Costs

Bobtail Liability Insurance can cost as low as $52 per month for the $500,000 liability limit. If you include the cost to cover the bobtail that will most likely run you another $1,000 for the year. Bobtail insurance quotes are the easiest to get, give us a call and get a quote right now!