Non-Trucking Liability (Bobtail) Insurance
Non-trucking liability insurance is a type of commercial auto insurance that provides liability coverage for truckers when they’re using their truck for non-business or personal use. The purpose of non-trucking liability insurance is to protect truckers from financial losses resulting from accidents that occur when they’re using their truck for non-business purposes.
For example, if a trucker is driving their truck to a personal destination and gets into an accident that causes property damage or bodily injury to another party, non-trucking liability insurance would help pay for the damages and medical expenses resulting from the accident, up to the policy limit.
Non-trucking liability insurance is separate from primary liability insurance, which is required for commercial trucks while they’re on the job. Non-trucking liability insurance is not required by law, but it may be required by a trucking company as a condition of employment or by a lender as a condition of a loan.
Overall, non-trucking liability insurance is important for protecting truckers from unexpected financial losses resulting from accidents that occur when they’re using their truck for personal or non-business purposes.