COVERAGE

Trucking General Liability

Premises and operations liability for your trucking business — covers third-party injury and property damage that happens away from the truck itself.

Limits & options

Standard limit$1M / $2M aggregate

Common contractual req$1M each occurrence

Available limitsUp to $2M / $4M

DeductiblesTypically $0 – $1,000

What's covered

01
Premises liability
Bodily injury and property damage occurring at your terminal, yard, office, or shop — slips, falls, visitor injuries.
02
Products / completed ops
Liability for cargo handling, securement, or services after delivery is complete.
03
Personal & advertising injury
Libel, slander, copyright infringement in advertising, and similar offenses.
04
Defense costs
Legal defense in addition to policy limits for covered claims.

Who needs it

Any motor carrier with a terminal or yardOperations with shop or office staffCarriers signing shipper contracts that require GLOperations doing cross-dock, warehousing, or value-add services

FAQ

Auto liability only covers losses arising from the operation of a vehicle. The minute someone slips in your terminal or you damage a customer’s dock with a forklift, you’re outside the auto policy. GL fills the gap.

Cargo is first-party — it pays for damage to the freight on your truck. GL is third-party — it pays for damage you cause to others. Different exposures, different policies.

Frequently, yes. $1M each-occurrence GL is a near-universal line item on broker and shipper insurance requirements.

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COVERAGES/TRUCKING

Trucking General Liability

Premises and operations liability for your trucking business — covers third-party injury and property damage that happens away from the truck itself.

WHAT’S COVERED

01Premises liabilityBodily injury and property damage occurring at your terminal, yard, office, or shop — slips, falls, visitor injuries.
02Products / completed opsLiability for cargo handling, securement, or services after delivery is complete.
03Personal & advertising injuryLibel, slander, copyright infringement in advertising, and similar offenses.
04Defense costsLegal defense in addition to policy limits for covered claims.

WHO NEEDS IT

Any motor carrier with a terminal or yardOperations with shop or office staffCarriers signing shipper contracts that require GLOperations doing cross-dock, warehousing, or value-add services

FAQ

Cargo is first-party — it pays for damage to the freight on your truck. GL is third-party — it pays for damage you cause to others. Different exposures, different policies.

Frequently, yes. $1M each-occurrence GL is a near-universal line item on broker and shipper insurance requirements.