Understanding the difference between Bobtail Insurance and Non-Trucking Liability (NTL) is essential for owner-operators who lease their tractors to motor carriers.

Bobtail Insurance Details

Protects your tractor when you are operating without a trailer attached, regardless of whether you are under carrier dispatch or using the truck for personal transportation.

Non-Trucking Liability Details

Covers your truck only when it is operated for personal use, completely outside of business hours or carrier dispatch (e.g. driving home, going to get parts, or personal trips).

Having the correct coverage is vital since standard primary liability policies provided by the leasing carrier only cover you when hauling active broker loads on dispatch.