Truckers purchase policies to create a policy package, but many miss the need for bobtail and non-trucking liability insurance. In this blog, The Owens Agency LLC explains what both of those policies do for truckers in Waldron, AR.

Bobtail Insurance

A bobtail policy, also called a deadheading policy, refers to insurance that covers the driver’s liability when driving without a trailer attached. This could mean the driver dropped off a load or has yet to pick one up. For it to apply, the driver must be actively on the clock but between hauls.

Non-trucking Liability

Although non-trucking liability sometimes gets called bobtail insurance, they refer to two different things. A non-trucking situation refers to any personal use of a commercial vehicle. It includes driving with or without a trailer attached. In a non-trucking situation, a driver might have dropped off their load and headed to the grocery store for food or their child’s school to pick them up.

Independent and Employee Truckers Need Coverage

Because both situations refer to a time between active work, other truck policies do not apply. A trucking company’s liability insurance only covers its drivers and rigs while actively used for work purposes. If you drive a tractor-trailer (semi-truck) or other big rig vehicle, you need these two policies to cover your liability completely.

Contact The Owens Agency For Trucking Insurance

Don’t drive another mile without bobtail and non-trucking liability coverages. Contact The Owens Agency LLC to purchase the liability coverage you need. Let us help you adequately protect your business risk by reviewing your policy.