Non-Trucking Liability (otherwise known as "Bobtail") is Commercial Auto Liability coverage that covers a specified unit while it is not under dispatch or operating in the business of "trucking".  This could be when you are taking the unit to the shop for repairs or transporting the unit from one motor carrier's facility to another.  Most motor carriers will require an owner operator to have this type of coverage while under lease.  This coverage will cover the unit whether "bobtailing" or pulling an empty trailer.

Unladen Liability is Commercial Auto Liability that covers a specified unit any time that unit is unladen, or not loaded, regardless of whether under dispatch or operating as a trucker.  Many motor carriers are now requiring this coverage from their permanently leased owner operators.

Coverage may be offered through: