What is Bobtail Insurance Coverage?
Bobtail coverage pays for property damage or injuries that you cause while the trailer is detached from your truck whether or not you are dispatched on a job. For example, you may drop off your load and while in transit to your next load have an accident. Bobtail coverage would could cover you in this case.
Typical Bobtail Rates
How much would a typical $1,000,000 bobtail policy cost? Most policies range from $35-60/mo for that amount of coverage. Make sure you read the fine print and find out what’s covered and what’s excluded when comparing polices.
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What is Non-Trucking Liability Insurance?
Non-trucking liability insurance offers payments for property damage or injuries that you cause while the truck is not being used for business purposes. Most truckers will need this coverage because there will be times that the truck is driven for personal reasons. For instance you may drive the truck home or to the truck wash between hauling loads.
Bobtail and Non-Trucking are similar but different
Non-trucking liability insurance and bobtail insurance coverage are often confused with each other because of their similarities. Primary liability coverage is mandatory for all truckers. These additional types of liability coverage can offer coverage for situations that fall between the cracks. An accident in your truck could happen at anytime when it is in use. Knowing how you will be using your truck will help determine how much of these coverages you will need. You don’t want to have an Achilles heel exposed that could take down your livelihood.