What is general liability insurance?
In the world of business insurance, general liability insurance covers you if your business causes someone bodily harm or property damage because of the services you provide - for example, if a guest on your premises slips and falls and gets hurt.
Now, trucking businesses don’t often allow guests onto their property, like a retail store would. For trucks, general liability will basically cover liability-related claims that happen when you’re not driving your truck. Remember, auto liability (or primary liability) will cover you if you cause someone property damage or bodily injury in a car accident. It will provide for their medical bills, pain and suffering, and lost wages. General liability is not the same thing as auto liability insurance.
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Who needs truckers general liability insurance?
There is a lot of risk involved with running a trucking business, even when you and your drivers aren’t behind the wheel. Thinking about worst-case scenarios isn’t a ton of fun, but it’s important to be prepared for anything that life can throw your way. You might have auto liability and cargo insurance for your business, but you may also want to consider truckers’ general liability.
While all truckers can benefit from general liability, motor carriers and for-hire truckers in particular may need truckers general liability. It may even be a requirement of a contract. Logging and oil field trucks may also need it because there’s a lot of out-of-truck time associated with those types of trucking. Basically, general liability helps cover you against liability-related risks that could happen at loading docks or at a job site if you’re helping with loading or a job.
How much does general liability insurance cost?
Truckers general liability is usually inexpensive for trucking businesses. You’ll most likely be pleasantly surprised by the quotes you get back for it. It’s definitely worth checking to see how much it will cost for your business - it can help you gain some peace of mind knowing that your trucking operation is protected. We can get truckers general liability quotes for your business so that you know exactly how much it will cost for your business.