Bobtail Insurance vs. Non-Trucking Liability: What’s the Difference?

When it comes to commercial trucking, insurance coverage can get complicated. Two terms often thrown around are "Bobtail Insurance" and "Non-Trucking Liability." Elevated Insurance Group breaks down the differences and helps you understand which is right for you.

What are Bobtail Insurance and Non-Trucking Liability?

Bobtail Insurance

• This type of insurance provides coverage when you are driving your truck without a trailer attached, regardless of whether you are under dispatch.

Non-Trucking Liability

• This covers you when you’re using your truck for non-business-related purposes and are not under dispatch.

Key Differences

Purpose of Use

• Bobtail: Covers you irrespective of whether you are on a business-related trip without a trailer.
• Non-Trucking: Only applies when you are not using the truck for business purposes.

Coverage Scope

• Bobtail: Generally provides broader coverage as it is not restricted to non-business use.
• Non-Trucking: More limited, only covering personal use of the truck.

Cost Implications

• Bobtail: Typically more expensive due to the broader coverage.
• Non-Trucking: Usually less expensive but offers limited protection.

When Do You Need Each?

Bobtail Insurance

• If you often find yourself driving without a trailer for business-related activities.
• When your contractual agreement requires it.

Non-Trucking Liability

• If you use your commercial truck for personal errands or activities.
• When you want basic liability coverage during off-duty hours.

While both Bobtail Insurance and Non-Trucking Liability offer protection while you're not hauling cargo, the key difference lies in the purpose of use and the scope of coverage. Understanding these differences is essential for choosing the right coverage for your needs.

Confused about which type of insurance is right for your trucking activities? Contact Elevated Insurance Group for personalized advice tailored to your business needs. Get the right coverage and drive with peace of mind today.