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Commercial Auto & Trucking
Non-Trucking Liability (Bobtail)
Also known as: bobtail · bobtail liability · deadhead · NTL
Liability coverage for an owner-operator's truck when driving for personal use (not under dispatch).
Non-trucking liability (NTL), commonly called bobtail, applies to owner-operators leased to a motor carrier. When the driver is under dispatch (hauling for the motor carrier), the carrier's policy responds. When the driver is off-dispatch — driving home, running personal errands, picking up dinner — that's where NTL kicks in. Premium is dramatically cheaper than full primary liability because the exposure is much narrower.
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