If you're an owner-operator or leased truck driver, there's a good chance you're driving without coverage more often than you think. That’s where Bobtail Insurance comes in—protecting you during those in-between moments when you're not hauling a load but still on the road.
At Commercial Pro Shield Insurance, we help trucking professionals stay protected every mile of the way—loaded or not. In this blog, we’ll break down what Bobtail Insurance is, how it works, and why it’s a smart move for your business.
What Is Bobtail Insurance?
Bobtail Insurance is a type of liability coverage that protects you when you’re driving your truck without a trailer—also known as driving “bobtail.”
This often happens when:
You're on your way to pick up a load
You’ve just dropped off a load and are headed home
You're in between dispatches while under a lease
Even though you're not carrying cargo, you're still operating a commercial vehicle—and accidents can happen anytime.
What Does Bobtail Insurance Cover?
Bobtail Insurance typically covers:
Third-party bodily injury and property damage when you're not under dispatch
Legal fees if you’re sued after an accident
Out-of-pocket liability costs not covered by your motor carrier’s policy
Important: Bobtail Insurance does not cover physical damage to your own truck or trailer. It’s strictly liability coverage for non-dispatched driving.
Why Your Motor Carrier’s Policy Isn’t Enough
Many drivers assume that their motor carrier's insurance has them covered at all times—but that’s a costly assumption. Once you're off the clock or driving without a trailer, you're often on your own insurance-wise.
If you're in an accident during one of those in-between trips, Bobtail Insurance can save you thousands in legal fees, repairs, and medical bills.
Do You Need Bobtail Insurance?
Here’s who definitely should consider Bobtail Insurance:
Owner-operators leased to a carrier
Drivers frequently driving without a trailer
Fleet managers looking to reduce liability exposure
If you're unsure whether Bobtail Insurance applies to your situation, our team at Commercial Pro Shield Insurance is happy to walk you through it.
How Much Does Bobtail Insurance Cost?
Prices vary based on your location, driving record, and vehicle type, but in general, Bobtail Insurance is affordable—often ranging from $25 to $50 per month.
Considering the protection it offers, it's a small investment for major peace of mind.
Final Thoughts: Protect the Miles That Matter
Even when you're not hauling freight, you're still exposed to risk. Bobtail Insurance fills that gap—so you're never left paying out of pocket for an accident that happens off dispatch.
At Commercial Pro Shield Insurance, we specialize in helping trucking professionals like you find affordable and tailored Bobtail Insurance policies that fit your unique situation.
Get a Free Bobtail Insurance Quote Today
Whether you're new to trucking or a seasoned owner-operator, let us help you stay covered—every mile of the way.
👉 Call Commercial Pro Shield Insurance or get your free quote online now.