Do You Need Bobtail or Non-Trucking Liability Insurance? Here’s How to Tell

Both bobtail and non-trucking liability insurance are designed for times when your truck isn’t hauling a load for your motor carrier, but the specifics matter:

• Bobtail insurance covers your truck when you’re driving it without a trailer, regardless of whether you’re under dispatch. For example, if you’ve dropped off a load and are heading home or to pick up another trailer, bobtail insurance may apply.
• Non-trucking liability insurance provides coverage when you’re using your truck for personal reasons, outside of work-related activities. This might include running errands or driving to a non-work appointment in your truck.

When Is Each Type of Insurance Required?

Determining which coverage you need depends on your contract with your motor carrier and how you use your truck:

• Bobtail insurance is often required by motor carriers if you operate under their authority but occasionally drive without a trailer.
• Non-trucking liability insurance is typically needed if you use your truck for personal activities when you’re not under dispatch or working for your carrier.

Mississippi regulations and your carrier’s requirements may influence which policy is necessary. Review your lease agreement and discuss your driving habits with an insurance professional.

How Our Team Can Help

At Insurance Solutions Center, we specialize in commercial trucking insurance for Mississippi drivers, owner-operators and small fleets.

Ready to discuss your options? Contact us today to get personalized guidance on Mississippi truck insurance.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.