Protect Your Business with Bobtail Truck Insurance

What Is Bobtail Insurance?

Bobtail insurance, also known as non-trucking liability insurance, protects owner-operators when driving their commercial truck without a trailer attached. This coverage is essential for safeguarding against liability risks when trucks are operated for personal use or between jobs, ensuring protection even when not hauling goods.

At Commercial Pro Shield Insurance, we specialize in providing tailored insurance solutions to meet the unique needs of truck owners and operators in Florida. Our affordable and comprehensive policies help protect your assets and ensure peace of mind while you’re on the road.

Bobtail truck Insurance

Bobtail Insurance vs. Non-Trucking Liability Insurance

Understanding the difference between bobtail insurance and non-trucking liability insurance is key to choosing the right coverage for your operations.
  • Bobtail Insurance covers your truck when it is operated without a trailer. For example, if you're driving to a maintenance facility or returning home after delivering a load, this policy provides liability coverage.
  • Non-Trucking Liability Insurance, on the other hand, covers liability during personal or off-duty use of the truck, regardless of whether a trailer is attached.
Both types of coverage protect against third-party bodily injury or property damage but are designed for specific scenarios.
Bobtail truck insurance quote

What Does Box Truck Insurance Cover?

Owner-Operators

Those operating under a motor carrier’s authority who need continuous liability protection.

Leased Drivers

Drivers required to carry coverage by their leasing agreement.

Truckers Driving Between Jobs

If you travel without a trailer to pick up a load or after dropping off freight, bobtail insurance ensures you’re protected.

What Does Bobtail Insurance Cover?

Bobtail insurance provides protection for:
  • Liability Costs: Covers third-party bodily injury or property damage caused while driving a truck without a trailer.
  • Legal Expenses: Covers costs incurred if you face a lawsuit following an accident.
However, Bobtail insurance does not cover:
  • Cargo damage or theft
  • Accidents while hauling a trailer (even if empty).
  • Personal injuries or physical damage to your truck.
Bobtail truck Insurance

Factors Affecting Bobtail Insurance Costs

The cost of bobtail insurance in Florida can vary based on several factors, including:
  • Driving Record: A clean record reduces premiums, while past violations may increase costs.
  • Truck Type and Value: Newer or more expensive trucks typically cost more to insure.
  • Operating Radius : Long-haul truckers often face higher premiums than local operators.
  • Frequency of Use: The more you drive for personal reasons, the higher your insurance cost may be.
  • Credit Score: Some insurers consider your credit history when determining premiums.
At Commercial Pro Shield Insurance, we work closely with you to create an affordable plan that fits your specific needs.
Bobtail Truck Insurance

Bobtail Insurance vs. Deadhead Insurance

While bobtail insurance covers driving without a trailer, deadhead insurance protects you while driving with an empty trailer. Both are essential for truckers operating in Florida to ensure complete liability protection.
  • Bobtail Insurance: Ideal for trips between jobs or driving to maintenance facilities.
  • Deadhead Insurance : Essential for returning with an empty trailer after delivering goods.
Combining these coverages ensures you’re fully protected in any scenario.

Why Choose Commercial Pro Shield Insurance?

Operating a commercial truck comes with unique risks, and at Commercial Pro Shield Insurance, we understand the challenges Florida truckers face. Here’s what sets us apart:
  • Customizable Policies: Whether you're an owner-operator or managing a fleet, we tailor our policies to meet your specific needs.
  • Affordable Rates : We offer competitive premiums to fit your budget.
  • Expert Support : Our experienced agents provide personalized guidance to help you make informed decisions.
  • Fast Claims Processing: When accidents happen, we ensure quick and hassle-free claims handling.
These limits can be adjusted based on your unique needs, ensuring comprehensive coverage for your operations.

Bobtail Insurance Policy Limits

Typical bobtail insurance policies in Florida include:
  • $1 Million in Liability Coverage: Protects against third-party claims for medical expenses or property damage.
  • Uninsured/Underinsured Motorist Coverage : Offers protection if the other party involved in an accident lacks sufficient insurance.
These limits can be adjusted based on your unique needs, ensuring comprehensive coverage for your operations.

Get a Quote Today

Protect your truck, your business, and your livelihood with comprehensive bobtail insurance from Commercial Pro Shield Insurance. Whether you’re driving between loads or heading home after a delivery, our policies are designed to provide peace of mind on every journey.

Contact us today to get a customized quote and secure your business’s future. Call now or visit our website to learn more about our insurance solutions for Florida truckers.