Non-Trucking Liability & Bobtail Insurance for Owner-Operators

What it covers

• Owner-operator focused
• Pairs with permanent lease
• Affordable monthly premiums

Non-trucking liability — often called bobtail insurance — fills the gap when you're using your truck for non-business purposes. It pays for bodily injury and property damage you cause while off dispatch.

It's one of the most affordable coverages in trucking, typically billed monthly, and most lease agreements require it. We'll match the policy to your lease terms so you're never in violation of your carrier agreement.

Who needs it

If you're an owner-operator permanently leased to a motor carrier, their liability policy only covers you while you're under dispatch. The moment you're running personal errands or heading home, you're exposed without non-trucking liability.