Need bobtail insurance for your truck? Archer Kemp understands the unique insurance needs of owner-operators and trucking companies who operate bobtail trucks.
What is Bobtail Insurance?
Bobtail insurance, also known as non-trucking liability (NTL), is a specific type of insurance coverage designed for bobtailing situations. Bobtailing refers to operating your truck without a trailer attached. This can occur when you’re:
- Heading to pick up a load: You’ve dropped off your previous haul and are on your way to the next job site.
- Returning home after a delivery: You’ve completed your final delivery and are heading back to your terminal.
- Taking your truck for maintenance: Unexpected breakdowns or routine servicing often involve driving your bobtail truck.
While your primary commercial truck insurance covers you when hauling a trailer, it typically excludes bobtailing operations. That’s where bobtail insurance steps in, providing crucial liability protection during these solo trips.
Why Do You Need Bobtail Insurance?
Even the safest drivers face unforeseen accidents. Bobtail insurance safeguards you from financial burdens if you cause an accident while bobtailing. Here’s how:
- Liability Coverage: This covers bodily injury and property damage to others in the event of an accident you cause while bobtailing.
- Legal Expenses: If a lawsuit arises from a bobtailing accident, bobtail insurance can help cover your legal defense costs.
Common Myths About Bobtail Insurance:
- Myth: My commercial truck insurance automatically covers bobtailing.
- Reality: Most commercial truck insurance policies exclude bobtailing. You need a separate bobtail policy for comprehensive coverage.
- Myth: Bobtail insurance is expensive.
- Reality: Bobtail insurance is often a relatively affordable add-on to your existing commercial truck insurance policy.
Archer Kemp: Your Bobtail Insurance Partner
At Archer Kemp, we understand the importance of keeping your bobtail operation protected. Our team of specialists can help you:
- Assess your specific bobtail insurance needs.
- Find a cost-effective bobtail insurance policy.
- Ensure you have the right coverage for your bobtailing activities.
Don’t let the roadblocks of bobtail insurance slow you down. Contact Archer Kemp today for a free quote and get the peace of mind you deserve while keeping your rig running solo.
