Bobtail Insurance 

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The trucking industry is the backbone of the American economy. From merchandise being delivered to essential resources being transported, the world would come to a standstill without trucks running the highway.

In this way, we often think of semi-trucks along with trailers full of goods. There are times, however, when truckers have to drive without a trailer.

These moments, known as bobtailing, are complicated instances where the trucker’s dispatcher’s truck insurance doesn’t cover the operator, but he or she is still at risk by being on the road. That’s when having the appropriate bobtail insurance policy is crucial.

Who Needs Bobtail Insurance?

Bobtail insurance is liability insurance that protects you when you are driving a truck without a trailer. If you operate under the authority of a dispatcher, your trucker’s liability only covers you while you’re hauling a trailer.

Here are some of the most common scenarios for when bobtail insurance is a must:

  • You drive under someone else’s authority without a trailer.
  • You’d like to avoid lawsuits or significant out-of-pocket expenses after an accident.
  • The company you contract with requires additional truck insurance.

While it might sound like it’s safe to buy all kinds of insurance you can afford, there are some scenarios where it is not required: 

  • You never drive your truck without a trailer. 
  • Your operator under your own authority and have the proper commercial trucking insurance
  • You are looking for coverage for a personal trip.

What Does the Best Bobtail Insurance Cover?

Since bobtail insurance is only a liability policy, it only covers you if you are responsible for an accident while driving a truck under someone else’s authority without a trailer.

Here are a few likely scenarios where bobtail insurance plays a significant role: 

  • After delivering a load, you are in an accident on your way to pick up your next trailer of cargo.
  • You are involved in an accident after leaving your house to pick up the first load of the day.
  • You are involved in an accident on your way home for the day after all of your deliveries have been made.

Bobtail insurance does not cover physical damage to your truck. It is primarily used to pay for legal fees, medical bills from injury, and settlement expenses from accidents you cause.

Make sure you fully understand the terms and limits of your bobtail insurance to fully know what is covered. You may want to add other kinds of trucking insurance to make sure you are comprehensively covered.

What is the Average Cost of Bobtail Insurance?

There are a variety of factors that can impact any kind of insurance.

Insurance companies will look at your driving and claims history, how long you’ve been in business, how busy you are, how many trucks you own and operate, and more. You also have to consider what kind of limits you’d like and the general cost of each company you contact.

Most of the time, a good bobtail plan will cost between $20 and $50 per month, but your mileage may vary.

The Best Bobtail Insurance Around

At Strong Tie Insurance, we work hard to offer commercial trucking insurance that is both reliable and affordable. If you find yourself in situations where bobtail insurance applies, give us a call for a free quote and consultation today!