Coverage 09 of 12
Commercial General Liability
Auto liability stops at the truck. General liability covers the rest of the business.
General liability responds to injuries and property damage that happen away from the vehicle: a visitor hurt in your yard, damage you cause at a customer's dock, a claim arising from your operations as a business rather than as a driver. Shippers, warehouses and leases commonly require it.
We package it with the trucking policy where the carrier allows, or place it separately when that produces a better form and price.
Who needs it
- Carriers with a yard, shop or office
- Operations that load, unload or warehouse freight
- Companies signing shipper or landlord contracts that require GL
What it covers
Inside the policy
Premises liability
Injuries to visitors and damage on property you own or rent.
Operations liability
Damage caused during loading, unloading and other non-driving activities.
Personal and advertising injury
Libel, slander and similar claims.
Contractual liability
Liability you assume under a contract, within the policy terms.
FAQ
Commercial General Liability: common questions
Does my trucking policy already include general liability?
Usually not. Some carriers offer a limited GL endorsement; a standalone GL policy is broader and is what most contracts mean when they require it.
What limit do shippers ask for?
$1,000,000 per occurrence and $2,000,000 aggregate is the common requirement.
Related coverage
Usually written alongside
Quote commercial general liability with the rest of your policy.
Send us the basics. A licensed agent shops the carriers that want your class and calls you with actual numbers, ready to bind. Most quotes come back within 24 hours; many are completed and back in your hands within one to two hours on the same business day.