How Much Is Bobtail Insurance?

Bobtail insurance is a kind of commercial liability insurance that covers the risks associated with operating trailer trucks without a trailer. When a driver is involved in an incident that results in property damage or personal harm, the policies of this insurance are applicable.

You can decide to purchase bobtail coverage for yourself. But because your business is required to obtain bobtail insurance for its drivers, we advise approaching the benefits broker or HR first.

In addition, more thorough coverage is provided by bobtail insurance and semi-truck insurance policies. As the name suggests, this guideline applies to both trucks and semi-trucks operating in bobtails.

Bobtail insurance typically only covers cargo trucks. However, we’ve also observed several clients taking use of the coverage provided by this policy for their farm tractors, business tractors, food trucks, dump trucks, and even skid steers.

Another insurance that is given to drivers is trucker’s insurance. You could believe that having a bobtail insurance policy is unnecessary if you have one. Recognize that this is untrue. Only negative situations resulting from actions not directly related to operating a truck are covered by trucker’s liability insurance.

If you still don’t get what we’re saying, consider this: truckers’ liability insurance only covers accidents that happen when a driver uses his or her truck for purposes unrelated to those of the parent company. Bobtail insurance, on the other hand, only covers accidents that happen while the truck is running in a bobtail.

An extremely significant industry is trucking. Truck drivers are essential to the nation’s businesses and consumers because they transport freight from one location to another, ensuring that both parties have products to sell and buy.

But being a trucker has a number of special hazards that, if you aren’t protected by the appropriate insurance, might get you into trouble.

Bobtail insurance is a crucial insurance plan that, under certain conditions, can help shield truck drivers from claims and liabilities.

Continue reading to discover more about bobtail insurance’s price, what it covers, and who qualifies for it.

Bobtail Insurance Cost

What is the price of bobtail insurance then? The typical cost of bobtail insurance is $30 per month or $360 per year for a coverage maximum of $1 million. Naturally, as usual, bobtail truck insurance rates may differ from one company to another; therefore, it is essential to keep this in mind.

This is only a broad overview of the market’s true pricing, though.

The cost of bobtail liability insurance is influenced by a variety of risk factors, including driving record, coverage limits, the amount of time spent working without a trailer during the contracting process, business size, years in operation, annual revenue, location, number of trucks the business owns and operates, claims history, driver history, number of employees, and many more. Commercial insurers evaluate these risk factors when calculating your bobtail liability insurance quotations.

So, how can you lower your bobtail insurance premiums? We advise you to combine policies, make sure the truck is in excellent condition, and keep a clean driving record. You can get discounts that will lower rates by using these techniques.

You may be able to locate the lowest bobtail insurance and the greatest bobtail insurance coverage by comparing quotes and maybe saving money on premiums as well. By using this approach, you can avoid spending money on coverage that is either too much or too little in accordance with the needs of your company. All you need to do to begin comparing quotes on our website is click the “Get Quotes” button.

What Does Bobtail Insurance Cover?

Bobtail insurance is a sort of liability insurance that protects you if you cause an accident while operating a truck without a trailer while under the trucking authority of another person.

As an illustration, bobtail insurance would protect you in the event of an accident:

  • On the way back from a delivery
  • On the way to pick up your first load
  • You are on your way to pick up a load after delivering one.
  • In these situations, keep in mind that bobtail insurance, which is a liability policy, does not cover damages to your truck; rather, it covers things like settlements, medical expenses, and legal fees.

Benefits Your general liability insurance won’t pay any costs if you cause a bobsled accident and are at fault for it.

Suppose you are determined to be at fault in an auto accident. In that case, bobtail insurance offers the protection you need to prevent suffering a major loss of income owing to legal fees, medical expenditures, and similar charges.

Who Needs Bobtail Insurance?

Only when you are under dispatch or driving with a trailer connected are you protected by your trucker’s liability insurance or motor carrier’s insurance.

If any of the following apply to you:

  • Ever operate a truck without a trailer while under the trucking authorization of another person?
  • You are obliged to get this coverage from your motor carrier
  • Want to safeguard yourself from hefty costs in the event of an auto accident?
  • In the end, bobtail insurance is probably necessary if you operate as a truck driver that transports items for several businesses in order to be adequately covered.

Insurance for bobtails and non-trucking liability

Although the terms bobtail insurance and non-trucking liability insurance are frequently used interchangeably, there are some significant distinctions between the two types of insurance that you should be aware of.

Only provides coverage when driving without a trailer while under another person’s trucking authority.

Non-Trucking Liability Insurance: Offers defense when utilizing your truck for non-commercial purposes. This coverage will defend you, for instance, if you use your truck to go grocery shopping, run errands, or pick up your children from school.


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