Bobtail and non-trucking liability insurance.
When a leased owner-operator drives the truck not under dispatch, the motor carrier's policy generally does not cover them. Bobtail and non-trucking liability fill that gap.
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The leased owner-operator gap
When you lease your truck to a motor carrier, that carrier's primary liability usually covers you only while you are under dispatch, hauling their load. Drive the truck for any other reason and that coverage generally does not apply, which is the gap bobtail and non-trucking liability fill.
Bobtail vs non-trucking liability
The two terms overlap but differ. Bobtail typically refers to operating the tractor without a trailer; non-trucking liability is broader, covering use of the truck not in the business of the carrier you lease to. Which you need depends on your lease and how you use the truck. We sort it out.
Matching it to your lease
Your lease with the motor carrier defines when their coverage applies and when yours has to, so the bobtail or non-trucking liability has to line up with that agreement. We read the lease against the coverage so there is no gap between dispatch and personal use.
Common questions.
What is non-trucking liability?
What is the difference between bobtail and non-trucking liability?
Do I need bobtail coverage if I'm leased on?
Is this coverage right on your policy?
Tell us how you operate and we will check this coverage against your authority, cargo, and contracts. Educational, no obligation.
Close the not-under-dispatch gap.
Tell us about your lease and how you use the truck and we will get bobtail right.