Owner-Operator Bobtail & Non-Trucking Policy Feature Checklist
What to confirm in a owner-operator bobtail & non-trucking policy — what's standard, what's often limited, and what to add if needed — plus the gap most often missed.
Pull out your current owner-operator (bobtail and non-trucking) policy and check the box next to each feature you can confirm it includes — anything unchecked is worth a quick conversation with your advisor.
Tick each feature you can confirm your policy includes — anything left unticked is a good question for your next policy review.
| Confirm? | Policy feature | What to confirm | Priority |
|---|---|---|---|
| Non-Trucking Liability | Covers the tractor when used off dispatch, such as personal errands. | Standard | |
| Bobtail Liability | Covers driving without a trailer — confirm whether it applies under dispatch on this form. | Often limited | |
| Coverage Aligned with the Lease | Confirm the lease's definition of 'under dispatch' matches the policy's. | Standard | |
| Physical Damage with Lienholder Listed | Covers damage to the tractor — lenders usually require it. | Often limited | |
| Occupational Accident | Covers the owner-operator's own injuries — owner-operators usually aren't under the carrier's workers' comp. | Often limited | |
| Trailer Interchange | Covers damage to a trailer owned by others while in the owner-operator's control. | If needed |
The gap most often missed in this coverage
The most commonly missed gap in this coverage is the handoff between policies. Non-trucking liability generally stops when the tractor is under dispatch, where the motor carrier's policy takes over — and the lease, the carrier's policy, and the owner-operator's policy may define those moments differently. Owner-operators should compare all three and carry occupational accident coverage for their own injuries.
Send us the checklist and we'll review your owner-operator bobtail & non-trucking coverage line by line, then market it across multiple carriers that compete for your account.
Related: Bobtail Insurance · Non-Trucking Liability Insurance · Owner-Operator Bobtail & Non-Trucking Supplemental (apply) · All coverage checklists
Frequently asked questions
What should a owner-operator bobtail & non-trucking policy include?
Standard features to confirm in a owner-operator bobtail & non-trucking policy include Non-Trucking Liability, Coverage Aligned with the Lease. This checklist also flags the features that are often limited or sublimited and the ones to add if needed, with a plain-English note on each.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my owner-operator bobtail & non-trucking coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.