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Commercial General Liability
Specialized coverage designed to protect trucking businesses from a wide range of liability risks. For example, a delivery driver slips on an icy patch in your company's parking lot, resulting in a serious injury; a disgruntled ex-employee claims your company made false statements about their work performance, leading to a defamation lawsuit.
What is Commercial General Liability Insurance?
Commercial General Liability (CGL) Insurance is a fundamental coverage that protects your business from financial loss due to liability claims for bodily injury and property damage. This insurance is essential for businesses of all sizes, offering peace of mind and protection against unforeseen incidents that could impact your operations.
insurance
key components of CGL insurance
helps protect your business from the financial repercussions of:
Coverage A: Bodily Injury and Property Damage Liability
Protects against claims for physical injuries and property damage arising from your business operations.
Coverage B: Personal and Advertising Injury Liability
Covers claims for non-physical injuries such as defamation, false arrest, and copyright infringement.
Coverage C: Medical Payments
Pays for medical expenses of individuals injured on your business premises, regardless of fault.
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Benefits of CGL Insurance
Financial Protection
Covers costly legal fees, settlements, and judgments.
Business Continuity
Ensures that liability claims don’t disrupt your business operations.
Client and Partner Confidence:
Demonstrates to clients and business partners that your company is responsible and well-protected against potential risks.
feel secure
insurance coverage
for every aspect of your business: comprehensive commercial coverage
Frequently asked questions
We’ve compiled this list of frequently asked questions to help you better understand the various types of coverage we offer and how they can protect your business. Whether you’re a fleet owner or an owner-operator, our goal is to provide you with the information you need to make informed decisions about your insurance needs. Feel free to contact us if you have any questions left.
What insurance coverage do I need as the truck owner operator?
As the owner operator, you will need physical damage insurance and non-trucking liability as well as occupational accident insurance. The motor carrier should provide primary liability and cargo coverage. Please make sure to check your lease agreement for the coverage required. Sometimes physical damage, non-trucking liability and occupational accident can be provided by the carrier
What is covered under Physical Damage Insurance?
It covers damages of your truck or trailer resulting from an accident and loss from vandalism, theft, fire, wind or hail.
What is covered under Non-Trucking Liability?
It covers expenses associated with injuries to others or damages of their property caused by you when using your truck for non-business purposes.
What insurance coverage do I need for my trucking fleet?
For a trucking fleet, you need comprehensive coverage including Trucking Liability, Cargo Insurance, Physical Damage, Occupational Accident, General Liability, and Umbrella Insurance (optional)
What happens if one of my trucks is involved in a multi-vehicle accident?
If one of your trucks is involved in a multi-vehicle accident, Trucking Auto Liability Insurance will cover bodily injury and property damage claims. If the total claims exceed your policy limits, Umbrella Insurance will provide additional coverage to protect your business from large financial losses.
What if the value of my cargo exceeds the policy limit?
If the value of your cargo exceeds the policy limit, you would need to cover the excess amount out of pocket. Consider discussing higher coverage limits with your insurance provider to ensure your policy meets the needs of your high-value shipments. However, Umbrella Insurance generally does not cover cargo claims, so it’s important to have adequate Cargo Insurance limits.