Trucking General Liability Insurance
A growing number of risk managers require for-hire truckers to have Trucking General Liability Insurance. It pays for injuries or property damage you cause as a result of business activities NOT directly related to operating your truck.
Who Needs Trucking General Liability Insurance?
If you’re a for-hire trucker, or motor carrier, you’ll most likely need Trucker’s General Liability.
Examples of situations where a trucker would need trucking general liability insurance:
- Customers or others on insured’s premises for “business purposes.”
- Insured on customers’ premises.
- Loading and unloading using a mechanical device not attached to truck or trailer (forklift, front end loader, crane).
- Products and completed operations coverage, excluded by the auto policy.
- Erroneous delivery of products, including liquids. Delivery of products damaged in shipment that cause damages after delivery. The trucker delivered the product, then left, the auto policy does not cover products/completed operations claims.
- Libel and slander exposures. Writing or saying something injurious. For coverage to apply to the person originating the comments, the information cannot knowingly be false or in willful violation of the law.
- Takes in outside repair or performs owner-operator repair (not leased to the trucker). Helps a disabled trucker fix his brakes (gratis) and they fail later.
- Sells an extra tire or parts to another trucker.
- Bodily injury resulting from using self-defense to protect persons or property.
- “Guard dog”, any size, used to protect business property.
- Furnishes free beer at the Christmas party or after a safety meeting. Employee drives home drunk and hits a school bus.
- Contractual liability – Leases, key stop agreement, intermodal, etc.
- Insured rents a motel room while traveling or getting truck repaired. Goes to sleep smoking (or leaves the battery charger on) and burns down room. Fire legal for room.
- Insured gets a call about a previous employee and fails to tell about drug problems.
- Insured did not properly screen driver (negligent hiring).
- Insured gets sued because of someone else’s auto accident (vicariously).
Trucking General Liability Insurance will provide the following coverages:
- Bodily Injury and Property Damage Liability
- Personal Injury and Advertising Injury Liability
- Medical Payments
- Products / Completed Operations
- Damage to Premises Rented to You
Limits, Deductibles, and Other Details
Personal or advertising injury covers injury to a person or entity that is not physical in nature and is the result of negligence on your part. An example would be if you use another company’s logo in your advertising.
General Liability Medical Payments cover physical injuries to people that are typically not on your premises, but may become injured while on your property. If a customer is on your premises and slips and falls in the parking lot, Motor Truck General Liability insurance may provide coverage.
Products / Completed Operations provides coverage for bodily injury or property damage that happened as a result of delivering someone else’s goods.
Please complete our one page quick quote sheet for a quick premium indication or call us at(866) 317-5764 to speak to one of our licensed trucking agents.
DISCLAIMER: Coverages may vary by state and by insured business. Consult your agent about coverages you may need for your unique situation. Coverage descriptions above are for general information only. Actual coverage is subject to all terms, conditions and exclusions of the policy.
Some coverage programs can include:
• Rates starting at $400/Month/Truck
• Mileage or Revenue Reporting Form
• 24/7 Access to Certificate of Insurance
• Profit sharing physical damage policies
• Complimentary DOT safety programs
• “A” Rated Insurance Companies