Non-Trucking Liability Insurance (Bobtail Coverage)

Understanding Non-Trucking Liability

Non-trucking liability insurance provides liability coverage when your tractor is being used off dispatch and not hauling for business—think bobtailing home after a drop in Little Rock, running to a truck wash in Cabot, or deadheading with an empty trailer for personal reasons. Many drivers call it “bobtail insurance,” and in everyday use bobtail insurance and NTL are treated as the same idea: liability for non-business use. Remember, this is third-party liability only; your own rig’s damage is handled by physical damage, and your business-use liability on the road is commercial auto liability within your broader commercial trucking insurance program.

When NTL Applies (and When It Doesn’t)

NTL can apply after you drop a trailer and head home, stop for groceries, or swing by a shop for a personal errand in Conway or Searcy. It does not apply if you’re under dispatch—whether loaded or en route empty to pick up a load—because primary liability should respond in those business-use moments. NTL doesn’t cover your tractor’s own damage or the load; that’s where physical damage and cargo policies come in.

Who Needs Non-Trucking (Bobtail) Liability?

Leased owner-operators are the most common buyers: the motor carrier’s policy handles on-dispatch trips, while NTL fills off-dispatch gaps that lease agreements often require. Company drivers in employer-owned trucks are typically covered by the motor carrier’s policy at all times and may not need separate bobtail coverage. If you’re unsure which scenario fits, our team at Rich Insurance Services can review your lease and routing to confirm what’s required.

Bobtail/NTL Limits, Pricing & Practical Details

Typical limits mirror primary liability (often $1M), but costs are lower because exposure is off-dispatch. Many Arkansas owner-operators pay a few hundred dollars per year depending on radius and driving history. Some motor carriers offer group NTL, but many require you to carry your own. If you also want injury protection for yourself, consider occupational accident to address driver medical and disability needs while you’re leased on.

FAQs: Non-Trucking Liability

  • Is bobtail the same as NTL?

    In practice, yes—both refer to liability when you’re not hauling for business.

  • Do I need NTL if I have my own authority?

    Usually no; primary liability under your authority covers you on and off dispatch.

  • Does NTL cover me pulling an empty trailer to maintenance?

    If you’re not under dispatch and not en route to a load, generally yes—check your policy wording to be sure.

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Secure Complete Protection for Your Business

Combine CGL with auto liability and cargo coverage for a balanced approach on and off the road. Rich Insurance Services can add CGL to your program or place it as a standalone when needed.

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