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).

Insurance that covers commercially used tractor trailor trucks returning to a terminal after depositing cargo elsewhere.

A trucking term that means the driving of the tractor portion of a semi after the trailer has been delivered and removed. A special trucking endorsement, Truckers Insurance for Nontrucking Use, may be necessary when bobtailing.
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Using the truck-tractor after unloading the trailer and not driving for trucking purposes.

A term that refers to physical injury, sickness, or disease, or death resulting therefrom. In some jurisdictions bodily injury includes emotional injury.
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Any physical injury to a person. The purpose of liability insurance is to cover bodily injury to a third party resulting from the negligent or unintentional acts of an insured.
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In Personal accident Insurance ‘Bodily Injury”: shall be deemed to mean Bodily injury resulting solely and directly from Accident caused by outward violent and visible means. This strictly rules out mere shock, fright or grief. However, in Workmen’s compensation, health and liability insurance the term may extend to cover physical injury, including sickness, disease, mental injury, shock or death. Injury to the body of a person. The term is usually specifically defined in liability as workmen’s compensation, personal accident and health Insurance policies and there are variations in individual definitions. Compare with “Personal Injury.”
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UK: Injury, sickness or disease sustained by a person, including death resulting therefrom. Personal accident policies cover bodily injury caused by accidental, violent and visible means solely resulting in death or disablement’. Post traumatic stress order may amount to bodily injury, particularly where bodily harm has also occurred or where the policyholder has been in an accident. Public liability insurers cover legal liability for bodily injury but some use the term personal injury and define it as including ‘illness’. ‘Injury to feelings’ is clearly contemplated by insurers covering liability due to wrongful arrest or false imprisonment or similarly specified events.
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US: Liability insurance term that includes bodily harm, sickness, or disease, including resulting death.

Physical damage to a person’s body.

The responsibility which may arise from injury to life or health of another individual or individuals.
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Legal obligation that flows from the injury or death of another person. This insurance is commonly limited to bodily injury liability derived by way of negligence, but coverage of liability by way of contract (holding another harmless) is also possible.

Insurance against loss due to claims for damages because of bodily injury (including death) to persons not employees.