Because risks happen both on and off the road
Your transportation clients know that a truck driver’s duties aren’t limited to what they do behind the wheel of their rig. Daily activities often involve loading and unloading of cargo and meeting with clients.
But during the course of the day, a lot can go wrong. A driver could have a disagreement with a customer about delivery time. Cargo could mistakenly be unloaded at the wrong location and the delay could cost the customer business. Or a customer could trip and fall while attending a meeting at their office.
From employees of a transportation business to companies that use for-hire independent owner/operators, general liability insurance covers risks that a business may face—apart from the operation of a truck. Common examples include:
- Delivery of cargo to the wrong address
- Inappropriate actions of employed or for-hire drivers
- Miscommunications regarding delivery times
- Injuries that happen to customers while on company premises
At Across America Insurance, we can help you provide your commercial trucking business clients with the general liability coverage they need, as part of a comprehensive risk management program and as required by law.
General Liability Markets
At Across America Insurance, we have a wide range of carriers offering comprehensive general liability coverage to best fit the needs of your transportation clients. Our markets offer commercial auto liability insurance that provides coverage for:
Bodily injury and property damage
Personal injury and advertising injury liability
Products and completed operations
Medical payments to others
General Liability Insurance FAQs
What limits are typically available for general liability insurance?
Most general liability policies offer $1,000,000 per occurrence limits with an aggregate value of $2,000,000. Higher or lower limits may be available—depending on the carrier.
Can general liability insurance be purchased as a monoline policy?
In general, a business or individual must have a primary liability insurance policy in order to obtain a general liability policy.
Is general liability insurance the same as commercial auto insurance?
No. General liability insurance covers third-party lawsuits resulting from incidents that aren’t directly related to operating a truck. Commercial auto insurance covers costs associated with legal expenses, medical bills, and physical damage that result from incidents involving the driving of company-owned vehicles.