What Does Bobtail Insurance Cover. Bobtail insurance covers your liability after you have dropped off your load and are no longer towing the trailer. Bobtail insurance covers the truck anytime it is not attached to a trailer and regardless of whether or not the truck is under.

Bobtail liability is an endorsement that is added on to a general commercial trucking policy, and because it’s an add. The cost of bobtail insurance is pegged between $20 to $50 monthly. A bobtail policy only offers financial protection when you’re driving a truck with no trailer.