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The terms Non-Trucking Liability and Bobtail insurance are sometimes used interchangeably. There are, however, distinct differences between these coverages. As noted above, NTL protects the tractor when it's being operated off dispatch, regardless of whether or not it's pulling a trailer. Bobtail insurance typically protects the tractor when it's being operated without a trailer, regardless of whether or not it's under dispatch. Purchasing Bobtail coverage will round out protection for your most valuable physical asset(s). 

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