Bobtail and Non-trucking Liability Insurance Explained

Understanding the right trucking insurance is essential, especially when it comes to bobtail and non-trucking liability insurance. Georgia’s truck drivers, owner-operators and small fleet owners need clear information to make confident decisions about their coverage. With this in mind, the team at Total Insurance is ready and able to help you break down these types of insurance and secure appropriate policies.

What Is Bobtail Insurance?

Bobtail insurance is designed to cover you and your vehicle when you’re driving it without a trailer—commonly referred to as “bobtailing.” This coverage may apply whether you’re returning from a delivery, heading to pick up your next load or simply moving your truck between jobs. Bobtail insurance typically steps in when you’re not under dispatch and not hauling cargo, but using your truck for business-related purposes.

What Is Non-trucking Liability Insurance?

At first glance, non-trucking liability insurance may seem redundant with bobtail coverage, but this misconception could prove costly. This type of insurance can provide coverage when you’re using your truck for personal reasons outside of work. For example, if you drive your truck to the grocery store or visit family when you’re off the clock, non-trucking liability insurance can help financially protect you from liability claims that may arise during these non-business activities. It’s important to note that this coverage does not apply when you’re under dispatch or using your truck for any business-related tasks.

How We Help Georgia Truckers Choose the Right Coverage

Both bobtail and non-trucking coverage are often required by motor carriers and leasing companies, making finding the right policies a non-negotiable necessity. Fortunately, our team has extensive experience helping to procure commercial truck insurance for Georgia truckers. We take the time to understand your situation, analyze your coverage needs and identify ideal coverage options.

Contact us today to speak with a member of our team.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.