Bobtail insurance, also known as “Non-Trucking Liability” insurance, protects semi-truck owners when driving your truck for personal use. Having this coverage in place will help to ensure that you are covered while not under dispatch and driving for non-business purposes (like running personal errands, going to get the truck washed or tires rotated, etc.). Non-Trucking Liability insurance is meant to bridge the coverage gap created when you are no longer protected by your motor carrier’s policy.

The motor carrier lease agreement you sign as an owner/operator will typically state your policy’s limit. In most cases, that limit is $1 million in non-trucking liability.

Actual Cash Value (ACV) is a way of determining a value for insuring property with its depreciation taken into consideration. This is calculated by taking a percentage of the property’s useful life left multiplied by its replacement cost. ACV is basically what you can get for a tractor or trailer which is like in kind, make, model, mileage and appearance off of a truck dealers lot. So what the truck or trailer is worth on the open market. This is how an adjuster would determine the value in the event of a loss.

Occupational Accident Coverage provides benefits to independent contractors involved with job-related accidents. In the trucking industry, Occupational Accident Coverage provides benefits to owner-operators who are considered independent contractors by state law.

Absolutely, please contact us for more information.

This is personal preference, but most times insurance coverage can be found much cheaper if bought separately. Adding to your truck payment in most cases, potentially is raising your overall costs.

Of course. Non-Trucking Liability Insurance follows the driver regardless of who they drive for.

We would love to have the opportunity to quote Primary Liability Coverage. Please contact us.

We offer multiple ways for payment including credit card and monthly EFT withdrawals.