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Non-Trucking Liability insurance, commonly called bobtail insurance, protects owner operators when a truck is used strictly for personal, non business purposes. This coverage applies when the driver is not under dispatch, not hauling freight, and not operating for the benefit of a motor carrier.
Cogo Insurance places Non-Trucking Liability coverage for owner operators across the United States. We focus on real claim triggers, lease agreement alignment, and policy wording that holds up when an accident happens.
In trucking conversations, the terms Non-Trucking Liability and bobtail insurance are often used interchangeably. From an insurance standpoint, they are related but not identical.
A truck can be bobtailing and still be considered in business use, such as returning from a delivery under dispatch. In that situation, Non-Trucking Liability does not apply.
A truck can also have an empty trailer attached and still qualify for Non-Trucking Liability if the trip is personal and not under motor carrier control.
Cogo Insurance structures policies based on use, not assumptions.
Non-Trucking Liability covers third-party bodily injury and property damage during personal use of the truck.
Covered scenarios commonly include:
Coverage applies only when the motor carrier’s Primary Auto Liability does not apply.
Non-Trucking Liability does not apply to business operations.
It does not cover:
Business use must be insured under the motor carrier’s Auto Liability policy.
Most policies are written with:
This is the most common requirement in owner operator lease agreements.
Non-Trucking Liability is intended for:
Company drivers operating carrier-owned equipment generally do not need this coverage.
Lease agreements define when the carrier’s insurance applies and when it stops. Misalignment between lease language and insurance wording is a frequent cause of denied claims.
Cogo Insurance reviews:
This ensures Non-Trucking Liability activates as intended.
Pricing is influenced by:
Premiums are typically modest compared to Primary Auto Liability.
We focus exclusively on trucking insurance.
We help protect personal assets when the truck is off duty.
The terms are often used interchangeably, but Non-Trucking Liability is based on personal use, not trailer attachment.
Yes, if the trip is personal and the driver is not under dispatch or carrier control.
No. Deadheading is business use and must be covered by Auto Liability.
No. It is usually required by the motor carrier through the lease agreement.
No. Physical Damage insurance covers your tractor.
Yes. We regularly review lease agreements to ensure proper Non-Trucking Liability wording and compliance.
