Bobtail and unladen liability for owner-operators leased to a motor carrier — covers you when the truck isn’t under dispatch.
WHAT’S COVERED
01Bobtail useLiability while operating the tractor without a trailer attached, off-dispatch.
02Unladen operationLiability while pulling an empty trailer and not under load for the carrier.
03Personal useTrips home, to the shop, or running personal errands in the leased tractor.
04Defense costsLegal defense for covered claims arising from non-trucking use.
WHO NEEDS IT
Owner-operators leased to a carrier1099 contract driversLease-purchase driversAnyone whose primary liability sits on a carrier policy
FAQ
Auto liability covers you while under dispatch for the carrier. NTL covers you when you’re off-dispatch — bobtailing, deadheading personally, or using the truck for non-business purposes.
Yes. Occupational accident covers your medical and disability — NTL is third-party liability for property damage and injuries you cause to others while off-dispatch.
No. NTL is specifically for leased owner-operators. Independent authorities need a full auto liability policy.
