Bobtail & Non-Trucking Liability Insurance – Essential Protection For Short-Haul Owner-Operators in Florida, Georgia & Tennessee (Under 500 Miles)

As an Independent Agency, We Shop Multiple Carriers to Get You the Best Rates & Coverage Save Up to 37% vs Competitors – Protect Yourself When Bobtailing or Driving Without a Load

Exclusive program for short-haul/regional owner-operators: Bobtail/non-trucking liability coverage, fast electronic filings, and more. Get your FREE bobtail insurance quote in minutes – no obligation.

Join the thousands of truckers across the US that trust Barbee Jackson Insurance

Call Now: (850) 389-2001 Or fill out the quick form below

Why Owner-Operators Choose Barbee Jackson

• Independent agency advantage: We compare multiple carriers to find the best fit for your bobtail/non-trucking needs – unbiased options, no ties to one company
• Up to 37% lower rates than competitors – tailored for short-haul/regional owner-operator risks (commuting, bobtailing, personal use, deadheading)
• Fast Electronic Federal & State Filings – Accurate and quick to keep you compliant
• Bobtail/Non-Trucking Liability – Primary coverage when truck is driven without a trailer or not under lease/dispatch
• Physical Damage Options – Available for your truck when not under dispatch (add-on)
  
• Fleet Discounts for Multiple Trucks
• New Ventures & Owner-Operators Welcome – Perfect for lease-on/lease-off drivers
• Expert agents who understand Southeast owner-operator challenges (ports, highways, local runs)
• Proudly serving owner-operators in Florida, Georgia, Tennessee – and thousands more across the US

Bobtail / Non-Trucking Liability Coverage – What It Includes

Bobtail (non-trucking liability) insurance is critical for owner-operators who lease their truck to a motor carrier. It provides primary liability protection (typically $1M or more) when your truck is:

• Driven without a trailer (bobtailing)
• Driven with an empty trailer not under dispatch
• Used for personal errands, commuting, or non-business trips
• Deadheading (empty) to/from a pickup/drop-off point

Key protections:

• Bodily injury and property damage liability for accidents you cause
• Defense costs if sued (legal fees, settlements)
• Coverage when your primary commercial auto policy (from the leasing carrier) does not apply

This fills the dangerous gap where standard trucking insurance stops and personal auto insurance won't cover commercial use. Without it, you could face massive out-of-pocket costs after an accident.

What Owner-Operators & Clients Are Saying (4.9/5 from 400+ Google Reviews)

• "I had been shopping around for truck insurance and everyone was giving me some crazy amount... Craig stood by his word... The staff is very awesome to work with... Awesome Job to you all at Barbee Jackson Insurance!" – Jackie R., Trucking Client
• "My experience with the folks at Barbee Jackson Insurances has always been top notch. I have referred my own clients to Barbee Jackson and always been pleased with the service they received." – Lloyd Haynes, Jay Money Trucking, Atlantic Beach, FL
• "Got me covered within 24hrs at a rate that was several hundred dollars less than I had paid last year." – Dana
• "Fast, knowledgeable and courteous. Always answers my questions and requests. I recommend this agency 💯" – Lorraine Garcia ⭐⭐⭐⭐⭐
• "Barbee Jackson Insurance has been so helpful with my business and personal insurance. They are always helpful and answer any question I have... I love dealing with this company and don't know that I'd be in business without them!!" – John Smith ⭐⭐⭐⭐⭐
• "Courtney was amazing!!! We came across an issue that could have been a major set back. Courtney and her team were truly a blessing. I would give them 10 stars if I could!" – Aisha Oleabhiele ⭐⭐⭐⭐⭐

Get Your FREE Bobtail / Non-Trucking Quote Today! Call (850) 389-2001

Tell us about your owner-operator setup – we’ll shop carriers and match you to the right coverage at the lowest price fast.