Protection for the Miles You Drive Without a Load

Bobtail / Non-Trucking Liability Coverage

Even when you're off the clock, your truck still needs coverage. Bobtail or non-trucking liability insurance protects independent drivers when they’re operating their truck outside of dispatch—like driving home after a drop-off or between hauls. At Wizard Insurance, we help owner-operators and motor carriers stay protected during every mile, with flexible, compliant coverage available in California, Texas, Arizona, Colorado, Tennessee, Nevada, and beyond.

Stay protected off the clock and on your terms.

What Bobtail / NTL Coverage Includes

Our bobtail insurance and non-trucking liability coverage (NTL) are designed specifically for leased owner-operators who need protection when driving their truck off-duty. Whether you’re headed home or taking a detour between loads, this policy keeps you covered when your motor carrier doesn’t.

Non-Trucking Liability Coverage

Protects you from legal and financial liability when driving your commercial truck for non-business use—not under dispatch or hauling freight. A must-have for leased owner-operators.

Legal Defense Support

 Includes legal representation and attorney fees for claims arising from off-dispatch driving—critical in protecting your finances from lawsuits.

Bodily Injury & Property Damage

Covers medical bills and property repairs if you cause an accident while off-duty. A core part of any non-trucking liability insurance policy.

Flexible Policy Add-Ons

Easily combine your bobtail insurance with physical damage coverage or occupational accident insurance to build a more comprehensive protection plan.

Available for Leased Owner-Operators

Ideal for independent truckers in permanent lease agreements where non-trucking liability insurance is required but not provided by the carrier.

FMCSA-Compliant Options

Designed to meet federal insurance requirements  for leased drivers operating across state lines under motor carrier authority.

Benefits of Our Bobtail Insurance Solutions

Off-duty doesn’t mean off-risk. At Wizard Insurance Services Inc., we build policies that fit how you actually drive. Whether you're running local routes or crossing state lines, our licensed agents make sure your bobtail coverage is compliant, affordable, and ready when you need it. With over 28 years serving truckers and a nationwide footprint, you can trust us to handle the fine print—so you can focus on the drive.