If you’re an owner operator or run a large truck in Georgia, chances are you’ve heard the terms bobtail insurance and non-trucking liability. But what do they actually mean — and do you need both?
Let’s break it down.
Bobtail Insurance Explained
Bobtail insurance is coverage for when you’re driving your tractor trailer without the trailer attached — regardless of whether you’re under dispatch or not. For example, if you just dropped off a load and you're driving to pick up the next one, you’re bobtailing.
Even though you’re not hauling anything, you’re still at risk. If you’re in an accident and cause property damage or bodily injury, you could be on the hook without proper coverage.
That’s where bobtail coverage kicks in. It protects your truck — and your wallet — when you’re in between loads.
What About Non-Trucking Liability?
Non-trucking liability insurance is a little different. It only covers you when you're using your truck for personal use, completely unrelated to work.
Example: You drive your rig to the store or take it for maintenance on a day off. You’re not under dispatch, and you’re not making money with the truck. That’s when non-trucking liability steps in.
Here’s the catch: if you’re under dispatch — even without a trailer — non-trucking liability likely won’t cover you.
Why the Confusion?
A lot of drivers confuse the two or think they’re the same. And to make it worse, some agents use the terms interchangeably. That’s a dangerous mistake.
The key takeaway:
Bobtail = No trailer, possibly under dispatch
Non-Trucking = Personal use only
Knowing the difference helps you pick the right liability coverages and avoid denied claims.
What’s the Cost of Coverage?
In Georgia, the cost of this kind of trucking insurance depends on whether you include physical damage coverage.
With physical damage (covers repair or replacement of your truck): $3,000 – $5,000/year
Without physical damage: $1,000 – $2,000/year
Remember: these are averages, and your rate depends on driving record, truck value, and location.
Final Thoughts
Whether you’re operating under a lease agreement or running independently, having the right coverage for your trucks without a trailer is critical. Don’t risk driving unprotected just because you’re between loads.
Looking for the right policy? Barbee Jackson Insurance specializes in helping trucking companies and owner operators get the protection they need — from comprehensive coverage to trucking liability insurance.
Need help figuring out the best option? Click here to get a fast quote on Georgia Bobtail Insurance and keep your business rolling.