Who needs it
Trucking businesses with a yard, shop, office or warehouse, and anyone whose shipper, broker or lease contract asks for it.
What it pays for
- Injuries to visitors at your yard, office or shop
- Damage to other people's property caused by your business, away from your trucks
- Personal and advertising injury, such as a claim that you damaged someone's reputation
- Your legal defense if you're sued over a covered claim
What it won't pay for
- Anything caused by your truck, including loading and unloading, usually (that's auto liability)
- The freight you haul (that's motor truck cargo)
- Injuries to your own employees (that's workers' comp)
- Damage to your own property
What moves the price
We don't show prices online. These are the things an agent and the insurance companies look at.
- What your business does and where
- Size of your yard, shop or office
- Revenue or payroll
- Your claims history
- The limit you choose
Real situations
- A broker's rep visits your office, trips on a loose mat and breaks a wrist. General liability pays the medical bills and your defense if they sue.
- A stack of pallets at your yard blows over in a storm and damages a neighbor's car. General liability pays for the repairs.