Your auto liability policy covers your trucks on the road. Truckers general liability (GL) covers your business everywhere else — the dock, the yard, the terminal, and the paperwork. It’s inexpensive, and an increasing number of shipper and broker contracts won’t let you load without it.
What Truckers GL Covers
- Premises liability — injuries at your terminal, office, or yard
- Loading dock incidents — property damage at shipper or receiver facilities not arising from vehicle operation
- Completed operations — claims after the job is done
- Personal and advertising injury — libel, slander, and related business torts
What It Doesn’t Cover
Anything involving the operation of your trucks (that’s auto liability), damage to freight (that’s motor truck cargo), your own equipment (physical damage), or employee injuries (workers’ comp).
Who Needs It
Any trucking company with a physical location, warehousing exposure, or contracts that require it — which today is most of them. For growing fleets, GL slots underneath an umbrella policy for layered protection.
Start your quote or call 855-586-7467 — most operators get numbers the same day.
Truckers General Liability FAQs
Isn’t my auto liability enough? Why do I need general liability too?
Auto liability only covers accidents arising from operating your trucks. Truckers general liability covers everything else your business does — a customer slipping at your terminal, damage you cause at a shipper’s dock while loading, or completed-operations claims. Many shipper and warehouse contracts require both.
How much does truckers general liability cost?
Most trucking operations pay $500–$1,500 per year for a $1M per occurrence / $2M aggregate general liability policy — small money next to auto liability, and often contractually required.
What limits do shippers usually require?
The standard ask is $1,000,000 per occurrence and $2,000,000 aggregate, often with the shipper named as additional insured. We issue those certificates same-day.