Trucker’s General Liability Insurance — Protection Beyond the Wheel

Driving isn’t your only risk. General Liability covers what happens when the truck’s parked—but your business is still exposed.

Even the safest carriers face risks off the road. A slip-and-fall at a customer location. A trailer accidentally damaged during unloading. A delivery mistake that causes downtime. These are the kinds of incidents that auto liability doesn’t touch—but your Commercial General Liability (CGL) policy does.

What It Covers:

• Bodily Injury & Property Damage
  Injury to a third party or damage to someone else’s property—often while loading or delivering.
• Products & Completed Operations
  Claims that arise after delivery—like offloading errors or fuel mix-ups.
• Medical Payments
  Immediate help with small injuries on-site, without waiting on litigation.
• Personal & Advertising Injury
  Lawsuits for slander, libel, or copyright violations tied to your business marketing.

What It Doesn’t Cover:

• Auto accidents (covered under Auto Liability).
• Cargo in your care (covered by Motor Truck Cargo).
• Your truck or trailer (covered by Physical Damage).

Why It Matters

Many freight brokers, warehouses, and clients require GL on your COI—but if you wait until the load is at risk, you might not be able to get the policy fast enough. That’s why we recommend setting up General Liability coverage at policy inception or renewal—so you’re not scrambling when a job depends on it.

This isn’t about “extra coverage.” It’s about staying ready for real risks—and keeping operations moving without delay.