non trucking liability insurance
Non-trucking liability insurance, also known as bobtail insurance, provides coverage for commercial truck drivers when they are not hauling a load for someone else. This type of insurance typically covers damages or injuries that occur when the driver is using the truck for personal use or when they are operating the truck without a trailer attached. It is important for truck drivers to have this coverage to protect themselves in situations where their primary commercial auto insurance may not apply.
Non-trucking liability insurance covers the driver and the vehicle during times when the truck is not being used for business purposes. Here are some of the common scenarios that this type of insurance typically covers:
- Personal Use: If the truck driver is using the vehicle for personal reasons, such as running errands or going on a non-business-related trip, non-trucking liability insurance can provide coverage in case of an accident.
- Bobtail Coverage: When the truck is being operated without a trailer attached (bobtailing), this insurance can cover any damages or injuries that occur during this time.
- Deadheading: This insurance may also cover situations where the truck is being driven without a load (deadheading) back to its home base or to pick up another load.
- Limited-Use Provision: Some policies may provide coverage for limited business use, such as traveling to and from the trucking company’s terminal or going to vehicle maintenance appointments.
It’s important to review the specifics of the policy as coverage can vary between insurance providers.