What is non-trucking liability?

Coverage for a leased owner-operator's liability when using the truck not under the carrier's dispatch, since the carrier's policy generally only covers you while working for them.

What is the difference between bobtail and non-trucking liability?

Bobtail typically means operating without a trailer; non-trucking liability is broader, covering non-business use of the truck. Which you need depends on your lease.

Do I need bobtail coverage if I'm leased on?

Usually, because the carrier's liability generally only applies under dispatch. Bobtail or non-trucking liability covers the gap. We match it to your lease.

Bobtail & Non-Trucking Liability

Bobtail and non-trucking liability cover a leased owner-operator's liability when operating the truck outside the motor carrier's dispatch. The carrier's primary liability generally only applies while under dispatch, leaving a gap these coverages address.

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.

Bobtail and non-trucking liability insurance.

The leased owner-operator gap

Bobtail vs non-trucking liability

Matching it to your lease

Common questions.

Is this coverage right on your policy?

Keep going.

Owner-Operators

Physical Damage

Trucking Coverage Review

Close the not-under-dispatch gap.