General Liability

If you’re a for-hire trucker, or motor carrier, you’ll most likely need Trucker’s GL as many risk managers require this coverage.

General liability insurance can cover risks to your business outside of operating your truck. Some of the exposures GL insurance can guard you against are:

• Delivering your load to the wrong place

• A client slipping and falling in your office

• One of your drivers going berserk at a truck stop

• Slandering a load broker that later sues you It makes sense to cover your risks
whether they are on the road of off the road.

Limits for a Trucker’s GL policy

Most GL policies start at a policy limit of $300,000. The most common limits, however, are $1,000,000 per occurrence with a $2,000,000 aggregate. Based on your specific needs, higher limits can be obtained. Also, pollution endorsements are available for those that haul certain hazardous materials.

Requirements for Truckers GL Insurance

General Liability Insurance is not to be confused with Primary Liability Insurance. As a prerequisite to adding General Liability to your truck policy, you must already have in place a Primary liability policy. Some truck insurance companies also won’t cover you if you haul certain commodities like tobacco or hazardous materials