Bobtail coverage, also called non-trucking liability, is coverage for circumstances where the truck driver is driving the truck for personal reasons or is off dispatch. Any situations where the owner-operator isn’t covered by primary liability coverage, bobtail coverage will cover kick in.
But, bobtail insurance doesn’t protect truck drivers when they’re pulling a trailer, using a truck to make money or driving a truck for a trucking company.
But . . . . .
You’re not always going to be hauling something, but that doesn’t mean you shouldn’t have extensive coverage. Bobtail insurance covers you and your semi-truck when you’re not hauling a trailer or another load.