The world of commercial trucking insurance can be complicated. If you’re a trucker, you probably already know that your standard auto insurance policy isn’t going to cut it.
So what is bobtail insurance? Simply put, it’s designed to protect truckers when they’re operating their truck without a trailer attached. This means it covers liability and property damage if you’re in an accident while “bobtailing.”
Whether you’re an owner-operator or part of a larger motor carrier, understanding bobtail insurance is crucial. Insurance policies can be confusing, so let’s clarify what bobtail coverage entails.
What is bobtailing and why does it need insurance?
Bobtailing is a trucking term that refers to driving a tractor without a trailer attached. This usually happens when a driver is heading out to pick up a trailer, or when they’re returning home after a delivery. It can also happen when a driver is taking their truck in for maintenance.
In some situations, deadheading—driving an empty truck—can be considered bobtailing.
Commercial truck policies typically need specific endorsements for bobtailing, because a standard commercial auto insurance policy might not cover accidents that happen when you’re bobtailing. That’s why many policies require a separate bobtail insurance endorsement.
Even though you’re not hauling a trailer, accidents can still happen when you’re bobtailing, and you could still be held liable for property damage or injuries.
What does bobtail insurance cover?
Bobtail insurance is liability coverage. If you cause an accident while driving your truck without a load, it covers the costs of injuries and damages to the other party. These costs can include medical bills, property damage, and legal fees.
Bobtail insurance usually covers situations such as:
- Driving to pick up your next load
- Driving to a mechanic for repairs
- Driving home after you’ve dropped off a load
Importantly, bobtail insurance doesn’t cover damage to your own truck. You’ll need separate collision or comprehensive coverage for that.
Bobtail insurance vs. non-trucking liability (NTL)
It’s easy to get bobtail insurance mixed up with non-trucking liability coverage (NTL), but there are key differences between the two.
What is non-trucking liability (NTL)?
Non-trucking liability, also called “personal use” coverage, covers you when you’re using your truck for personal reasons and not under dispatch. For example, NTL would cover you if you were running errands or taking your truck in for repairs when you weren’t on the clock.
How are they different?
Bobtail insurance covers times when you’re driving your truck for work, but you’re not hauling a trailer. Driving to pick up a load would be considered bobtailing, but taking the truck to the grocery store wouldn’t be.
NTL doesn’t cover you when you’re under dispatch. If you’re transporting cargo, or if you’re on your way to pick up a load, NTL won’t cover you.
Why does it matter?
It’s important to understand the difference between bobtail and NTL coverage so you can be sure you’re fully covered. Talk with your insurer about which policy covers you in different situations. Having both types of coverage gives you the most complete protection.
How much does bobtail insurance cost?
Several factors can influence your premium, including:
- Driving record
- How often you’re bobtailing
- Desired liability protection limits
- Cargo type
- Operating radius
- Vehicle type
- Business size and revenue
In general, you can expect to pay $20-$60 per month for bobtail coverage. A $1 million liability limit might cost around $400 each year.
Drivers with clean records, ongoing education, and plenty of experience tend to get the lowest rates.
Who Needs Bobtail Insurance?
If you operate a commercial truck, you may need bobtail insurance. Here’s who should consider a policy:
Owner-Operators
If your primary commercial truck insurance policy doesn’t extend to times when you’re driving for personal use or between loads, you may need a separate bobtail policy.
Motor Carriers
Motor carriers often require bobtail insurance for drivers who are under lease agreements. This shields the carrier from liability when the driver isn’t hauling a load.
Companies with Fleets
If your business depends on commercial trucks, bobtail coverage can protect you from liability when your trucks are being operated without their trailers attached.
In Conclusion
Bobtail insurance is essential for truckers because it covers those times when you’re driving your tractor without a trailer attached.
It’s crucial to understand the difference between bobtail and non-trucking liability (NTL) insurance. Having the right coverage can save you a lot of money and trouble if you’re ever in an accident while bobtailing.
If you’re a trucker, it’s always a good idea to talk to an insurance professional, get free quotes from several different companies, and consider a comprehensive insurance plan that includes bobtail coverage.