Liability coverage · Written by RyskLOK
Non-Trucking & Bobtail Liability
Liability for leased owner-operators when the truck is used off dispatch or without a trailer.
Covered when you’re off dispatch
When you are leased to a motor carrier, the carrier’s policy typically covers you while you are under dispatch. Non-trucking liability covers you when you use the truck for non-business purposes, and bobtail liability applies when you drive without a trailer. We help you match the form your lease agreement calls for.
What it can cover
- Liability for injury or damage when you are off dispatch
- Personal and non-business use of your truck
- Bobtail options for driving without a trailer
- Terms matched to your lease agreement
Who it’s for
- Owner-operators leased on to a motor carrier
- Drivers whose lease requires non-trucking or bobtail coverage
Common questions
Non-trucking liability generally applies when you are not operating for business, with or without a trailer. Bobtail liability generally applies when you drive without a trailer, which can include some business use. Your lease agreement tells you which one you need.
Usually not. Carriers with their own authority carry primary auto liability, which covers both business and personal use of the truck.
This page is general and educational. Coverage, limits and exclusions are set by the policy issued and are subject to eligibility, state availability and underwriting review.
Works well with
Related coverage
Ready to lock in your coverage?
Tell us about your operation and our team will follow up with the options that fit.