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General Liability Coverage

A growing number of risk managers require for-hire truckers to have Trucking General Liability Insurance. It pays for injuries or property damage you cause as a result of business activities NOT directly related to operating your truck.

To handle lawsuits and judgments arising out of various situations not covered by Auto Liability, trucking companies should consider General Liability Coverage.

General Liability policies are made up of the following coverages:

  • Bodily Injury and Property Damage Liability
  • Personal and Advertising Injury Liability
  • Medical Payments
  • Products/Completed Operations
  • Damage to Premises rented to you

Non-Trucking Liability Coverage

Non-Trucking Liability, or NTL, is insurance coverage for when you use your truck for non-business purposes. This type of Insurance pays for an accident when the driver/truck is not under dispatch.  NTL offers you liability coverage for property damage or bodily injury to a third party. Any accident sustained during personal use between your dispatches will be covered under NTL.

Trailer Interchange Coverage

Trailer interchange insurance is physical damage insurance for a non-owned trailer in your care. This coverage can be added to your trucker’s liability policy. An example of when a trailer falls into this category is when motor carriers trade or share trailers to cover scheduling needs. One carrier may have a trailer located in one state but needs to pick up freight in another state.

 

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