Actionable Guidance, Regulatory Updates, and Coverage Strategies

For independent owner-operators and mid-sized motor carriers, lease-on arrangements represent the bedrock of commercial logistics. However, an alarming percentage of freight executives operate under the hazardous assumption that their motor carrier’s primary liability umbrella protects them at all times.

The Deadhead Coverage Chasm

Primary liability strictly applies when actively dispatched on behalf of the contracted carrier. The instant a driver uncouples the trailer to perform maintenance, return home, or grab meals—termed "bobtailing" without cargo or deadheading between unscheduled hubs—primary federal filing liability ceases immediately.

Sky High Insurance advisors perform comprehensive gap analyses for logistics clients operating between 1 and 250 power units. Ensure your equipment isn't traversing highways uncovered.