Truckers General Liability

Covers you when operating on someone else’s premises, such as loading docks and truck stops, and also covers mistakes in the delivery of the load.

Bobtail Insurance

Bobtail trucking insurance covers you and your semi-truck if you’re driving without hauling a trailer or other type of load. For example, you drop off a load in Dallas and need to pick up another load in Houston for a different carrier. Bobtail insurance covers you for the time you are driving between loads, as well as when you drive home after dropping a load and trailer.

Non-Trucking Liability Insurance

This type of trucking insurance is sometimes called contingent liability insurance. Unlike bobtail insurance that only covers you if you do not have a load attached, non-trucking liability protects owner-operators from liability claims when the truck is not being used for business purposes, whether or not there is a trailer in tow. Most companies require their contract drivers to have non-trucking liability insurance, as it protects them if you have an accident while not under dispatch.
Non-trucking liability insurance is only for scenarios where you and your semi-truck are not being used for commercial purposes. For example, you and your spouse take your semi-truck when you go out for dinner. You are involved in a minor accident with minor damage to the vehicle you had the crash with. Your primary trucking liability insurance won’t work as you are not under dispatch at the time of the accident. But, the non-trucking liability can provide coverage, just as if you were driving a car with standard auto insurance.