Bobtail Non-Trucking Liability Insurance Policy Information
Bobtail Non-Trucking Liability Insurance. Working as an owner operator and driving a semi truck means you must have the right protection when on the road. Most times when you are under dispatch, you are covered by the insurance your motor carrier offers but there will be times when you are not working, and you are using your truck as transportation.
For this, you must note that when using your truck for personal reasons this insurance does not cover you. If you are looking to find the right insurance for your for your truck, then you should read everything on this page. Get the bobtail non-trucking liability insurance coverage that will keep you and your power unit protected.
Bobtail non-trucking liability insurance protects you and your truck from lawsuits with rates as low as $87/mo. Get a fast quote and your certificate of insurance now.
Below are some answers to commonly asked bobtail non-trucking liability questions:
- What Is Bobtail Insurance?
- How Much Does Bobtail Non-Trucking Liability Insurance Cost?
- Why Do Truckers Need Bobtail Insurance?
- What Does Bobtail Non-Trucking Liability Insurance Cover & Pay For?
What Is Bobtail Insurance?
Bobtail insurance is a type of commercial truck insurance that covers the truck and its driver when the truck is not hauling a trailer or cargo. This coverage is typically required for trucking companies and independent truck drivers who own and operate their own vehicles.
Bobtail non-trucking liability insurance protects against damages, injuries, and liability caused by accidents while the truck is being driven without a trailer attached, such as when the truck is being driven to a pickup or delivery location. It may also provide coverage for damage to the truck while it is parked and unattended.
Bobtail insurance is also known as "deadhead" insurance, "non-trucking liability" insurance, or "bobtail liability" insurance. It is an important type of coverage for truck drivers and trucking companies, as it provides protection when the truck is not being used for its primary purpose of hauling cargo. This coverage can help protect against financial loss in the event of an accident, injury, or damage to property.
Bobtail insurance typically includes coverage for bodily injury and property damage caused by the truck driver, as well as liability coverage for medical payments and lost wages for anyone injured in an accident. It may also include coverage for physical damage to the truck, such as collision and comprehensive coverage.
It is important to note that bobtail insurance is not a substitute for standard commercial truck insurance. Trucking companies and independent truck drivers are still required to carry standard commercial truck insurance that provides coverage for the truck and trailer when it is hauling cargo. Bobtail insurance is meant to provide additional protection for the truck and driver when the truck is not in use for hauling cargo.
In summary, bobtail insurance is a type of commercial truck insurance that covers the truck and its driver when the truck is not hauling a trailer or cargo. It provides protection against damages, injuries, and liability caused by accidents while the truck is being driven without a trailer attached. It is an important type of coverage for trucking companies and independent truck drivers that provides added protection when the truck is not in use for hauling cargo.
How Much Does Bobtail Non-Trucking Liability Insurance Cost?
The average price of a standard $1,000,000 Bobtail Non-Trucking Liability Insurance policy for small truckers ranges from $87 to $99 per month based on location, vehicle, driving history, payroll, sales and experience.
Why Do Truckers Need Bobtail Insurance?
Truckers need bobtail insurance because it provides coverage for the truck and trailer when they are not hauling a load. Bobtail non-trucking liability insurance is designed to protect truckers from financial loss due to accidents, theft, or damage to the truck or trailer while it is not being used for commercial purposes.
Bobtail insurance can also provide liability coverage for accidents or injuries caused by the truck while it is being driven on personal time. Without bobtail insurance, truckers could be left financially responsible for any damage or liability that occurs while the truck is not being used for commercial purposes, which could result in significant financial loss.
What Does Bobtail Non-Trucking Liability Insurance Cover & Pay For?
Bobtail Non-Trucking Liability insurance provides coverage for commercial truck drivers when they are using their trucks for non-business purposes, such as driving to a personal appointment or running an errand. Here are some examples of Bobtail Non-Trucking Liability claims and how the insurance can help pay for the lawsuit:
- Accident during personal use: If a commercial truck driver is driving their truck for personal use and gets into an accident that causes property damage or bodily injury to another party, their Bobtail Non-Trucking Liability insurance can help pay for the resulting legal costs and damages.
- Parking lot accident: Even if a commercial truck driver is not driving their truck on the road, they can still be involved in accidents. For example, if they are backing up in a parking lot and hit another vehicle, their Bobtail Non-Trucking Liability insurance can help cover the costs of any resulting legal claims or damages.
- Off-duty injury: If a commercial truck driver is injured while performing non-business activities, such as loading or unloading their truck or performing maintenance, their Bobtail Non-Trucking Liability insurance can help pay for the medical expenses and any resulting legal claims.
- Theft or vandalism: If a commercial truck driver's truck is stolen or vandalized while they are not using it for business purposes, their Bobtail Non-Trucking Liability insurance can help pay for any resulting damages or losses.
Overall, Bobtail Non-Trucking Liability insurance can provide important coverage for commercial truck drivers who use their trucks for personal or non-business activities, helping to protect them from financial loss in the event of an accident or other incident.
Bobtail Non-Trucking Liability Insurance - The Bottom Line
As a truck driver, you must be concerned with your safety on the road. The last thing you want happening is all of your profits going into repairs because you weren't properly protected. Having the right coverage from the start keeps you protected. Being safe is important and having the right level of insurance coverage while on the road is important.
Speak with an independent insurance agent and work with them to help you to find the right coverage for you. Doing this may not only save your life but also protect you from spending large amounts of money on repairs when you could have just avoided them.
Additional Resources For Commercial Auto Insurance
Learn about small business commercial auto insurance which includes liability and physical damage protection for vehicles that are used for business purposes.
- Insurance Automotive Terms Glossary
- Amazon Delivery Drivers
- Ambulance Services
- Big Rig Truck
- Bobtail Non-Trucking Liability
- Charter And Tour Bus
- Commercial Auto
- Commercial Auto Liability
- Commercial Electric Vehicle Insurance
- Commercial Van
- DoorDash, GrubHub & Uber Eats Drivers
- Dump Truck
- Food Truck
- Freight Forwarder
- Household Goods Moving
- Motor Truck Cargo
- Non-Owned And Hired Auto Liability
- Owner Operator
- Pizza Delivery
- Tow Truck
- Specialty Automobiles, Trucks And Recreational Vehicles
- Specialty Physical Damage
Commercial auto insurance is a type of insurance that provides coverage for vehicles used for business purposes. This includes vehicles such as delivery trucks, company cars, and other vehicles that are used to transport goods or employees.
Commercial auto insurance is necessary for businesses that rely on their vehicles to conduct their operations. It helps to protect the business from financial losses due to accidents, theft, or other unexpected events. It also helps to protect the business from potential lawsuits that may arise from accidents involving their vehicles.
There are several types of coverage options available under business auto insurance policies. These include:
- Liability coverage, which covers damages or injuries that you or your employees cause to others while operating a business vehicle.
- Physical damage coverage, which covers damages to your own vehicle, is also available.
- Other coverage options may include medical payments, uninsured or underinsured motorist coverage, and rental reimbursement.
It is important for businesses to carefully consider their commercial auto insurance needs and to choose a policy that offers the right level of coverage. This can help to ensure that the business is protected in the event of an accident or other unexpected event.
Minimum recommended small business insurance coverage: Building, Business Personal Property, Business Income and Extra Expense, Accounts Receivables, Computers, Motor Truck Cargo, Valuable Papers and Records, Employee Dishonesty, Money and Securities, General Liability, Employee Benefits, Umbrella, Motor Carriers Liability and Physical Damage, Hired and Non-owned Auto & Workers Compensation.
Other commercial insurance policies to consider: Earthquake, Flood, Mobile Equipment, Signs, Warehouse Operators' Legal Liability, Cyber Liability, Employment-related Practices, Environmental Impairment, Underground Storage Tank, Stop Gap Liability and International Coverages.