Bobtail and Deadhead Non Trucking Liability

What We Offer

  • Auto Liability coverage available for owner- operator truckers whether or not they are pulling a trailer as long as they are not carrying cargo and are off dispatch.
  • Coverage is available for truck tractors, whether or not they are pulling an empty trailer.
  • Easy three-page application tailored for this class of business.
  • Primary Liability limits available up to $1,000,000.
  • Physical Damage coverages available on a Stated Amount basis.
  • Unladen Liability is available for leased owner/operators while operating with an attached trailer without cargo or without any trailer at all, whether under dispatch or not.
  • Exclusive Leaser coverage may be added to a motor carrier’s policy to extend liability coverage to the owner/operator hauling under an exclusive lease to the motor carrier.
  • Claim-reporting ability through our e-mail, website, and 800 number 24 hours a day, 7 days a week, 365 days a year.

Special Coverages

When Physical Damage coverage is provided, the following are included under our Special Coverages Endorsement:

  • Down-time Loss Expense Coverage for covered vehicles being repaired for an extended period up to $3,600.
  • Electronic equipment coverage up to $5,000.
  • Personal Effects coverage up to $2,500.
  • Loan or Lease Gap coverage—on a total loss, we will pay the amount of the insured’s financial obligation as long as the stated value on the policy is equal to or greater than that financial obligation.
  • Towing coverage in addition to the limit of insurance.
  • Windshield Coverage without a deductible for the cost of repair.
  • Diminishing Deductible—The Physical Damage coverages deductible will be reduced for each consecutive loss-free year. After five loss-free years, the deductible is eliminated.

Coverages and exclusions differ by carrier and by state. Specific concerns can be discussed with an underwriter.