Bobtail Insurance Requirements Every Florida Trucker Should Know

What Is Bobtail Insurance?

Bobtail insurance is a type of liability coverage that protects owner-operators and truck drivers when they're operating their truck without a trailer—typically when not under dispatch. This coverage kicks in when you're driving your truck for personal use or returning from a drop-off, and you're not covered under your motor carrier’s liability policy.

For example, if you're driving your truck without a trailer from a drop-off point back to your home or to pick up another load, bobtail insurance can protect you from liability in case of an accident during that trip.

Is Bobtail Insurance Required in Florida?

While Florida state law does not explicitly mandate bobtail insurance, it is often required by motor carriers as part of lease agreements with independent contractors. Additionally, if you're an owner-operator running under your own authority, having bobtail insurance can be crucial in protecting your business.

Here’s what Florida truckers should keep in mind:

• Motor Carriers Often Require It: If you're leased to a carrier, they will likely require bobtail insurance before allowing you to haul loads.

• Risk Exposure: Accidents while bobtailing are not covered under standard trucking liability insurance. Without bobtail insurance, you're financially exposed.

• FMCSA Compliance: While the FMCSA doesn’t directly require bobtail insurance, having it can help ensure you stay in good standing when you're not hauling under dispatch.

What Does Bobtail Insurance Cover in Florida?

Bobtail insurance generally covers:

• Bodily Injury Liability: If you injure someone in an accident while driving without a trailer.

• Property Damage Liability: If you damage someone else’s vehicle or property.

• Legal Defense Costs: Coverage for attorney fees and court costs if you're sued.

It’s important to note that bobtail insurance does not cover:

• Damage to your own truck (you'll need physical damage coverage for that)

• Loads you’re hauling (that’s what cargo insurance is for)

• Accidents while under dispatch (covered under primary liability)

Who Needs Bobtail Insurance in Florida?

You likely need bobtail insurance if you are:

• An owner-operator leased to a motor carrier

• A truck driver who often drives without a trailer

• Operating under a lease agreement that mandates bobtail coverage

• Driving your truck for non-business purposes without a load

How Much Does Bobtail Insurance Cost in Florida?

Costs can vary depending on:

• Driving history

• Age and condition of your truck

• Length of lease agreements

• Amount of coverage chosen

On average, bobtail insurance in Florida ranges from $30 to $50 per month, but rates can go higher depending on your risk profile.

Get Protected with Commercial Pro Shield Insurance

Bobtail insurance may seem like a small piece of the puzzle, but it plays a critical role in keeping you protected and compliant. Whether you’re cruising through Miami, Orlando, Tampa, or the open highways of central Florida, make sure you’re covered when you're not hauling a load.

At Commercial Pro Shield Insurance, we specialize in affordable, customized bobtail insurance solutions tailored for Florida truckers. Our team understands the unique risks you face and works to ensure you’re fully protected—on and off the clock.

Ready to protect your rig?
Contact Commercial Pro Shield Insurance today and get a fast, free quote designed for Florida's hardworking truckers.