What is Bobtail Insurance? A Complete Guide for Owner-Operators

When you’re an owner-operator in the trucking industry, you’re used to thinking about cargo, deadlines, and miles on the road. But there’s one area that often gets overlooked until it’s too late — bobtail insurance.

At Commercial Pro Shield Insurance, we talk to drivers every day who aren’t quite sure when or why they need it. This guide will break it down in plain English so you know exactly what bobtail coverage is, when it applies, and how it can protect your livelihood.

What is Bobtail Insurance?

Bobtail insurance is a type of liability coverage for truck drivers when they are operating their truck without a trailer attached — typically when they’re driving between jobs or heading home after a delivery.

Think of it like this:

• If you’re hauling freight for a carrier, you’re covered under their primary liability insurance.

• But the moment you drop that trailer and drive the truck for personal use or between assignments, that coverage usually ends.

• That’s where bobtail insurance steps in.

It ensures that if you’re involved in an accident during those “non-hauling” moments, you’re still financially protected.

Bobtail Insurance vs. Non-Trucking Liability

Many drivers confuse bobtail insurance with non-trucking liability (NTL) — and it’s easy to see why.
Here’s the difference:

• Bobtail Insurance: Covers you when you’re driving without a trailer, regardless of whether it’s personal or business-related.

• NTL: Covers you when you’re driving your truck for strictly personal, non-business purposes.

If you’re leased to a motor carrier, your contract may specifically require bobtail insurance — not NTL — so make sure you read the fine print.

Why Owner-Operators Need Bobtail Insurance

Without bobtail coverage, a single accident could leave you paying out-of-pocket for:

• Property damage

• Medical expenses

• Legal fees

Even a minor fender-bender can add up to thousands of dollars. For independent drivers, that can mean lost contracts, delayed deliveries, and serious financial strain.

How Much Does Bobtail Insurance Cost?

The cost of bobtail insurance varies based on:

• Your driving history

• The state you operate in

• Coverage limits

• Your carrier requirements

On average, bobtail insurance can range from $25 to $50 per month — a small price to pay for peace of mind.

Get Covered with Commercial Pro Shield Insurance

At Commercial Pro Shield Insurance, we specialize in helping truckers find affordable, reliable coverage that meets carrier requirements. We shop multiple providers so you get the best rate without the headache.

Whether you’re new to trucking or a seasoned pro, we’ll make sure your bobtail insurance is set up correctly so you can focus on the road ahead.

📞 Call us today or request your free quote online — and protect your truck, your income, and your future.