Truckers General Liability Insurance
Coverage for injuries or property damage from business activities not directly related to operating your truck. Protect your business with premises, operations, and personal injury liability coverage.
What is Truckers General Liability Coverage?
Truckers General Liability (GL) insurance protects your business from liability claims that occur outside of vehicle operations. While Auto Liability covers accidents while driving, Truckers GL covers bodily injury and property damage during loading/unloading, on customer premises, and other non-driving business activities.
What's Covered
Why Choose Cover Whale for General Liability
Comprehensive protection for your non-driving business operations
Premises & Operations Coverage
Protection for bodily injury or property damage that occurs on customer premises or during non-driving business operations.
Personal & Advertising Injury
Coverage for libel, slander, defamation, wrongful entry, and other personal injury claims arising from your business activities.
Medical Payments Coverage
Immediate medical expense coverage for injuries to third parties, regardless of fault, to help avoid larger liability claims.
Fast Quote & Bind
Get Truckers GL coverage quickly as part of your comprehensive package or as standalone protection.
Truckers General Liability Guidelines
Our underwriting standards and eligibility requirements
Fleet Size: Targeting 1-75 power units
Flexibility: Can be written as a package or on a standalone basis
Experience: 2 years minimum driving experience with like vehicle
Coverage Limits: Standard limits aligned with your auto liability policy
Package Options: Best rates when bundled with auto liability coverage
Same-Day Binding: Quick approval process for qualified operations
When Truckers General Liability Applies
Real-world scenarios where Truckers GL coverage protects your business
Loading & Unloading Operations
A driver drops a pallet during unloading at a warehouse, damaging the customer's dock door and injuring a warehouse worker. Truckers GL covers the property damage and bodily injury claims.
On Customer Premises
While walking through a customer's facility to get paperwork signed, your driver accidentally knocks over a display causing property damage. Truckers GL responds to cover the claim.
Personal & Advertising Injury
A competitor claims your company used defamatory language in advertising materials. Personal and advertising injury coverage provides legal defense and settlement funds.
Completed Operations
After a delivery is complete, the customer discovers damage to their flooring from your driver's dolly. Completed operations coverage handles claims discovered after the work is done.
Truckers GL vs. Auto Liability: What's the Difference?
Understanding which policy covers what helps ensure you have complete protection for your trucking business.
Auto Liability Covers:
- Accidents while driving
- Bodily injury and property damage from vehicle operation
- Collisions and traffic incidents
Truckers GL Covers:
- Incidents on customer premises
- Loading/unloading operations
- Personal and advertising injury claims
Ready to Add General Liability Protection?
Get comprehensive Truckers GL coverage to protect your business beyond the road.