Non-trucking Liability and Bobtail in Mystic, CT

Understanding the nuances of non-truck liability and bobtail insurance is essential for truck drivers and owner-operators in Connecticut. 

These coverages help mitigate the financial risks associated with accidents that occur when you’re not actively transporting goods. Without these policies, you could be left vulnerable to significant out-of-pocket expenses in the event of an accident.

Non-trucking Liability Insurance

Non-trucking liability insurance, often called deadhead coverage, can protect you when driving your truck for personal use or when you’re not under dispatch. This type of insurance can cover bodily injury and property damage that you may cause to others while operating your truck in these situations.

Bobtail Insurance

Bobtail insurance specifically covers instances when you’re driving your truck without a trailer, regardless of whether you’re under dispatch. This coverage is vital because it can help fill the gap left by primary liability insurance, which typically only covers you when you’re hauling a load. Bobtail insurance can ensure that you’re protected even when you’re not carrying cargo, such as when you’re returning home after a delivery or traveling to pick up your next load.

Primary Liability Insurance Is Essential

It’s important to note that while non-truck liability and bobtail insurance provide essential coverage, they do not replace primary liability insurance. Primary liability insurance is still required by state and federal law and can help provide coverage when hauling cargo for a motor carrier. The combination of these coverages helps ensure you’re protected, whether on the job or using your truck for personal reasons.

Contact Us

Consulting with an insurance agent who specializes in commercial truck insurance can provide valuable insights and help you choose the right coverage for your needs. Contact Specialty Coverage Insurance Agency in Mystic, Connecticut, for a trucking insurance quote.