Bobtail non-trucking liability insurance is a type of insurance that covers liability for accidents or other insured events when a trucker or other commercial driver is using their own vehicle for business purposes.
This type of coverage is usually included in a standard commercial truck insurance policy, but it can also be purchased as a separate policy. Bobtail non-trucking liability insurance provides coverage for bodily injury and property damage that may be caused by the driver while operating their own vehicle for business purposes.
It is important to note that bobtail non-trucking liability insurance does not provide coverage for cargo or freight that the driver may be hauling.
Who Needs Bobtail Non-Trucking Liability Insurance?
Bobtail non-trucking liability insurance is an important type of coverage for truckers and other commercial drivers who use their own vehicle for business purposes. This type of coverage is important for protecting drivers from financial losses due to an accident or other insured event.
Bobtail non-trucking liability insurance is also a valuable safety net for small business owners who rely on their private vehicles to conduct their business.
Types of Bobtail Non-Trucking Liability Insurance
Bobtail non-trucking liability insurance is typically offered in two different types of coverage: primary and excess.
Primary bobtail non-trucking liability insurance provides coverage for damages and injuries that may be caused by the driver while operating their own vehicle for business purposes. This type of coverage is typically available to drivers who are operating their private vehicles, including pickup trucks, vans, and cars.
Excess bobtail non-trucking liability insurance provides additional coverage for damages and injuries that may be caused by the driver.
How Much Does Bobtail Non-Trucking Liability Insurance Cost?
The cost of bobtail non-trucking liability insurance will vary depending on a number of factors, including the type of coverage, the driver’s experience, and the type of vehicle being used for business purposes.
Generally, primary coverage is more expensive than excess coverage due to the increased risk associated with operating one’s own vehicle for work-related activities.
Bobtail Non-Trucking Liability Insurance Requirements
In order to obtain bobtail non-trucking liability insurance, drivers will typically need to meet certain requirements. Typically they will need to have a valid commercial driver’s license (CDL) and a minimum amount of experience operating their own vehicle for business purposes.
Additionally, drivers will need to provide proof of insurance for the vehicle they are using for work.
It is important to note that some insurance companies may require drivers to have additional coverage, such as cargo insurance or non-owned trailer insurance. Some insurance companies may also require drivers to have additional endorsements on their CDL.
Bobtail Non-Trucking Liability Insurance – The Bottom Line
Bobtail non-trucking liability insurance is an important type of coverage for truckers and other commercial drivers. This type of coverage protects them from financial losses due to an accident or other insured event while they are using their own vehicle for business purposes.
If you are a trucker or other commercial driver, it might be valuable to consider getting Bobtail Non-trucking Liability Insurance.