When a truck/tractor is operating without a trailer or semitrailer, it is a “bobtail.” In this situation, the load has been delivered and the truck is not being used for trucking purposes. Often the truck owner/operator is using the vehicle to return home. As such, the truck is not transporting property for the motor carrier it hauls for and under whose liability policy it depends upon when engaged in trucking activities. Bobtail liability then is part of a business auto policywith the Truckers-Insurance for Non-Trucking Use endorsement.For example, suppose Joe is an owner/operator for Triple Z Motor Freight and he takes a trailer load of auto parts from St. Louis to Kansas City. He leaves the trailer in Kansas City and returns to St. Louis “bobtail.” Joe is covered under Triple Z’s trucking liability policy on the way to Kansas City. Coming back to St. Louis, Joe is not engaged in trucking activity and is covered under the Truckers-Insurance for Non-Trucking Use endorsement. (See Truckers Policy).