Non-Trucking Liability (Bobtail) Insurance Quote | Linehaul Insurance
Non-Trucking Liability

Non-Trucking
Liability Quote

Non-Trucking Liability (bobtail) coverage protects you when operating your truck outside of dispatch — between loads, deadheading, or personal use. Complete the form below and we'll get back to you with a quote.

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What is NTL Coverage?

Non-Trucking Liability (also called bobtail insurance) covers you when you're operating your commercial truck outside of a dispatch — not hauling freight for a motor carrier.

  • Driving home after dropping a load
  • Running personal errands in your truck
  • Deadheading between loads
  • Any non-commercial use of your truck

Do You Need NTL?

If you're leased to a motor carrier, their liability policy likely only covers you while under dispatch. NTL fills that gap and is required by many carriers before you can lease on.

What to Have Ready

  • DOT & MC numbers
  • Vehicle year, make, VIN
  • CDL number & state
  • Current carrier / lease-on info
  • Prior policy declarations page (if renewing)

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Talk to a specialist directly — no forms needed.

1-888-348-9202
Common questions

Non-Trucking Liability FAQ

What is non-trucking liability insurance?

Non-trucking liability (NTL) covers bodily injury and property damage you cause while driving your truck outside of dispatch, such as heading home after a load or using the truck for personal errands.

Who needs NTL coverage?

Owner operators who are leased on to a motor carrier. The carrier's primary liability covers you while dispatched, and most lease agreements require you to carry NTL for the time you are not.

Is NTL the same as bobtail insurance?

They are closely related and often used interchangeably. Bobtail coverage traditionally applies when you drive the tractor without a trailer, while NTL applies whenever you are off dispatch, with or without a trailer. We will match the coverage to what your lease requires.

Does NTL cover me while I'm hauling a load?

No. Once you are under dispatch, the motor carrier's primary liability policy applies. NTL fills the gap when you are not working for them.

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the road covered?

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