Coverage / General Liability
Commercial General Liability for Trucking Operations
General liability is what responds when something goes wrong off the truck: a yard slip-and-fall, damage to a customer's property at a terminal, a shipper certificate that needs an additional insured. It does not replace primary auto liability. It sits alongside it.
Where general liability actually responds.
- Bodily injury or property damage at your premises or job sites
- Damage to a customer's property during loading or unloading
- Products-completed operations exposures
- Additional insured endorsements for shippers and brokers that demand them on the COI
If this describes you, get a quote.
Operations that visit customer sites, have a yard or warehouse, host drivers on the property, or operate under broker agreements requiring CGL alongside auto liability.
Limits, deductibles, and inclusions.
- $1,000,000 each occurrence / $2,000,000 aggregate is standard
- Premises medical payments rider
- Hired/non-owned auto endorsement when staff drive personal vehicles on company errands
Primary Liability Trucking Insurance
Primary liability is the bodily-injury and property-damage coverage federal authority requires you to carry. FMCSA's $750,000 minimum for non-hazmat freight (and $1,000,000 most shippers will actually accept) starts here. We place this with A-rated markets and right-size limits to your radius, freight class, and loss history.
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Physical Damage Insurance for Trucks and Trailers
Physical damage protects your tractor, trailer, and attached equipment from collision, fire, theft, and weather. Stated values matter. If you under-insure, you are out-of-pocket on a total loss. If you over-insure, you are paying for limits you cannot collect. We quote at honest replacement values across A-rated markets.
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Motor Truck Cargo and Trailer Interchange Insurance
Cargo coverage protects the freight you're hauling against loss, theft, and damage in transit. Most shippers and brokers require a $100,000 cargo policy on the COI before they'll tender a load. Trailer interchange responds when you're pulling someone else's trailer under a TIA.
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