Trucking Insurance
Non-Trucking Liability
Liability coverage for owner-operators when not under dispatch.
Overview
Understanding non-trucking liability
Non-trucking liability — often called bobtail or unladen liability — covers owner-operators when using their truck for non-business purposes or outside the scope of the motor carrier's primary liability policy. Lease agreements commonly require this coverage.
Coverage Scope
What this coverage can help address
These are common areas programs may address. Specific terms depend on carrier forms, endorsements, and your operations.
- Bodily injury and property damage liability
- Defense costs
- Uninsured motorist options
- Coverage when not under active dispatch
Planning
Common coverage considerations
Factors that often influence limits, endorsements, and carrier selection.
Lease agreement definitions of bobtail and deadhead
Coordination with motor carrier primary liability
Radius and use restrictions
Proof of coverage for lessor compliance
Coverage availability and eligibility depend on carrier underwriting guidelines, state requirements, and individual risk details.
Fit
Ideal for
Organizations and individuals who commonly evaluate this line of coverage.
Owner-operators leased to motor carriers
Drivers operating without cargo or outside dispatch
Contractors required to carry bobtail coverage by lease terms
Related
Other trucking insurance lines
Explore additional coverage areas within trucking insurance.
Owner Operators
Coverage programs for independent owner-operators under lease or own authority.
Learn moreFleet Insurance
Comprehensive programs for multi-unit motor carrier and private fleet operations.
Learn moreCommercial Truck Insurance
Primary auto liability and related coverages for commercial trucking operations.
Learn moreDiscuss non-trucking liability with an advisor
Submit your information and a Northshore advisor will review your situation and outline appropriate next steps.
Submitting this form does not bind coverage, create a policy, or guarantee pricing. A licensed advisor will review your information and follow up directly.