At Wilsons Creek Insurance Agency, we offer specialized bobtail insurance coverage tailored to meet the unique needs of truck owner-operators. Bobtail insurance is essential for protecting your truck when it is being operated without a trailer, either for business purposes or while returning to your base after a delivery.

What is Bobtail Insurance?

Bobtail insurance provides liability coverage when a truck is driven without a trailer attached. This type of insurance is crucial for covering incidents that occur when your truck is not under dispatch. For example, if you drop off a load and are driving to pick up another without a trailer, bobtail insurance will cover any liability arising from an accident during this period.

Coverage Details:

Bobtail insurance typically includes:

• Liability Coverage: Covers bodily injury and property damage to third parties in an accident where your truck is at fault.
• Medical Payments: Covers medical expenses resulting from an accident.
• Legal Fees: Covers legal costs if you are sued as a result of an accident.

Why is Bobtail Insurance Important?

Many motor carriers require truckers to carry bobtail insurance because standard liability policies often do not cover incidents when the truck is without a trailer. Without bobtail insurance, you could face significant out-of-pocket expenses for accidents occurring during these times. It ensures you have continuous liability protection, reducing your financial risk.

Difference Between Bobtail and Non-Trucking Liability Insurance:

While both cover liability when not under dispatch, non-trucking liability (NTL) insurance generally applies when you use your truck for personal use. Bobtail insurance specifically covers the truck when driving without a trailer for business purposes, making it a more comprehensive option for many truckers.

Cost of Bobtail Insurance:

The cost of bobtail insurance can vary but typically ranges from $20 to $50 per month. Factors influencing the cost include your driving history, time in the business, and the number of trucks you operate. Experienced drivers with clean records usually benefit from lower premiums.

At Wilsons Creek Insurance Agency, we help you navigate the complexities of bobtail insurance, ensuring you have the right coverage to protect your operations. Contact us today to learn more about our bobtail insurance policies and how we can customize a plan to meet your specific needs.