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 Insurance vs. Non-Trucking Liability Insurance
- 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.
What Does Box Truck Insurance Cover?
Owner-Operators
Leased Drivers
Truckers Driving Between Jobs
What Does Bobtail Insurance Cover?
- 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.

Factors Affecting Bobtail Insurance Costs
- 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.

Bobtail Insurance vs. Deadhead Insurance
- Bobtail Insurance: Ideal for trips between jobs or driving to maintenance facilities.
- Deadhead Insurance : Essential for returning with an empty trailer after delivering goods.
Why Choose Commercial Pro Shield Insurance?
- 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.
Bobtail Insurance Policy Limits
- $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.
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.