Commercial truck insurance for owner-operators & fleets · Se habla español

Commercial truck insurance

General Liability insurance for truckers

Your auto policy covers accidents involving your truck. General liability covers almost everything else — like someone getting hurt at your yard, or damage you cause at a customer’s warehouse while not operating the truck.

Driver checking paperwork on a tablet inside the cab

What general liability covers

  • Slip-and-fall injuries at your office or yard
  • Property damage at customer docks and warehouses
  • Advertising and personal injury claims
  • Products and completed operations (varies by business)
  • Legal defense costs

Who needs it

Carriers that work with shippers, warehouses and brokers that require it in their contracts, and any trucking company with an office, yard or terminal.

Common requirements

  • Typical limits: $1,000,000 per occurrence / $2,000,000 aggregate
  • Often required in shipper and broker contracts
  • Additional insured certificates available for customers

Requirements change by state, cargo and contract. This page is general information — your agent will confirm what applies to your operation.

FAQ

General Liability questions

Quick answers from our trucking insurance team.

Still have questions?

(301) 591-6550

Isn’t general liability included in my truck policy?

No. Auto liability covers accidents arising from operating your truck. General liability covers other business activities and premises.

Why do shippers ask for general liability?

Because your drivers and equipment are on their property. Many contracts require a certificate naming them as additional insured.

Talk to a trucking insurance specialist today

Call, email or visit our office in Frederick, Maryland. We work with trucking companies across the United States — hablamos español.