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Bobtail--Non-Trucking Liability Insurance

Bobtail vs Non-Trucking Liability

Non-Trucking Liability insurance is often incorrectly referred to as bobtail insurance. However, bobtail isn't the same thing as Non-Trucking Liability. Please review your contract or verify with your motor carrier to determine which coverage you need.

If you're under permanent lease to a motor carrier that provides your primary liability coverage, you could benefit from our Non-Trucking Liability (NTL) coverage while using your truck for a non-business purpose.


NTL coverage works when you use your truck on your days off for tasks like going to the store, picking up friends, attending an event or visiting family. NTL can pay for medical and other expenses associated with injuries to others or damage to other peoples' property that you cause.



Exceptions and Restrictions

NTL doesn't provide liability coverage for business use or when hauling any type of cargo. Driving to and from the terminal, fueling up, traveling for maintenance or vehicle servicing, driving during layovers, dead-heading (driving without a load), and washing your truck all might be considered using the vehicle for a business purpose. These activities typically would be covered by the motor carrier's primary liability insurance.


NTL doesn't apply when you're pulling a loaded trailer, operating on behalf of a trucking company or using a vehicle for any revenue generating purpose. These types of activities are covered by primary trucking liability insurance.


Non-Trucking Liability insurance isn't available on policies with an FHWA (federal/ICC), MCS-90, SR-22 or state filing.


States we offer Bobtail Truck Insurance Coverage:


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