Insurance for personal use while working on the truck?

Make sure you pull into the Florida scales

they will chase down rental box trucks that don’t .

 

Not true......BobTail/Non-Trucking Liability is specifically for the movement of a CMV when not under a BOL. It covers when taking unit to the repair shop, going to Walmart for supplies etc.....criteria being not for hire.

Will some lease operators require bobtail, for when you are not under their BOL, yes, but it was designed for "bob-tail" tractors operating without a trailer.

I run a branch for Berkshire Hathaway, so I'm not a TS counter attorney.....I've done truck insurance for 50+ years.

 

You

You must be the unicorn agent, and if so great. By the way, that isn't an insult -unicorns are awesome and special people that can make the impossible happen. Really it means you may actually understand your segment better than the average bear and know how to find the unique products to offer.

I own a compliance company and have reviewed insurance policies for many years and have only found a handful that are not designed as coinsurance and attahced, even when issued by different carriers, to a primary liability policy with terms requiring a valid lease agreement to be in place.

You may want to check the fine print in your contracts. Many of my clients are underwritten by different Berkshire companies and I have yet to see a policy where their "bobtail" doesn't require a valid lease agreement with a motor carrier.

Perhaps you can post a BH company or two that allows a stand alone non-trucking policy so the OP knows who to shop with. I know you can't post brokerage info, like me the TTR staff doesn't allow professionals to advertise or solcit but we can make generic recommendations.

I would appreciate the info as I am sure the OP would too.

 

Easy....National Indemnity......the first Berkshire insurance company, Warren bought it in 1967....I remember it well

 

I have Unladen insurance, and I’m covered with or without a Trailer. I don’t have Bobtail insurance. I’ve been corrected more than once, by my agent for calling it Bobtail insurance. Im guessing, If I were Leased to a Carrier, I’d be covered under they’re unladen insurance while unladen, hooked to an empty, and not under dispatch. Covered by my Own Bobtail policy, while Bobtailing, not under dispatch. Its my understanding, that both are non Trucking Liability policies. Please clarify the differences. I’d like to know exactly how that works.

 

The technical name is Non-Trucking Liability Insurance. We in the industry used to refer to it as Bob-Tail, but the corporate attorneys forced the issue on what it’s to be called.

It’s coverage for when you are not under a BOL...like going to the service center for oil change maintenance etc.

Obviously no insurance carrier would issue a MC filing for such policy, as the intent is for when the unit is “not for hire”

 

I don’t think any of it applies to the OP. He needs to get it registered as an RV and insure it as such.

 

If the state even allows registered as an RV. Some states like PA won't.

 

I have unladen liability as well. Landstar requires it and will not accept bobtail insurance. The difference is simple and is just what it sounds like. Unladen liability covers you both when you are bobtailing and when you are pulling an MT trailer (whether it's your trailer or not). Bobtail insurance doesn't cover you when you are hooked to a trailer.

 

I am registered as a motorhome in state of Texas. Carry MH insurance. cheap. some of us that do this get commercial insurance for non commercial use. Cheap also.