What is Non-Trucking Liability and BOBTAIL Insurance?
Driving your truck without the trailer attached is known as Bob tailing or deadheading!
Here is what you need to know about non-truck and liability (bobtail) truck insurance.
True bobtail insurance is coverage without a trailer attached; non-trucking liability is broadly defined as personal use of a commercial vehicle, and NTL is what most carriers require.
Applies when you drive your truck to or from the terminal.
Applies when you are driving between loads with no trailer attached.
Truck owner/operators who occasionally make deadhead trips with or without dispatch are required by their more carriers to have insurance coverage, known as non-trucking liability insurance.
Non-Trucking Liability, or NTL, is insurance coverage for when you use your truck for non-business / personal purposes. It offers liability coverage for property damage or bodily injury to a third party. Any personal use between your home and dispatch points will be covered under NTL.
Bobtail/non-trucking liability does not cover damage to your truck. That coverage is under your physical damage coverage, and we offer this coverage under different policy section.