Commercial General Liability Insurance

A growing number of risk managers require for-hire truckers to have commercial general liability (CGL) insurance. We can help you meet the requirement for CGL coverage. CGL coverage pays for bodily injury or property damage you cause as a result of business activities not directly related to operating your truck.

Who Needs Commercial General Liability Insurance?

If you’re a for-hire trucker you’ll most likely need CGL.

Examples of situations where CGL insurance may need coverage:

• Customers slipping/falling on the your premises
• Erroneous delivery of products resulting in damage
• Actions of a driver while representing the insured and on the premises of others, such as, loading docks, truck stops, etc.
• Libel and slander exposures
• Fire on rental property due to insured’s error

You’ll also want to consider purchasing motor truck cargo insurance, which protects the load that you’re hauling in case of fire, theft, or collision.

Limits, Deductibles, and Other Details

When you purchase CGL insurance, it provides the following coverages:

• Bodily Injury and Property Damage Liability
• Personal Injury and Advertising Injury Liability
• Medical Payments
• Products/Completed Operations
• Damage to Premises Rented to You – Note: Coverage available for 7 days or less.

Personal or advertising injury covers injury to a person or entity that is not physical in nature and is the result of negligence on your part. An example would be if you use another company’s logo in your advertising.

Medical payments covers physical injuries to people that are typically not on your premises, but may become injured while on your property. If a customer is on your premises and slips and falls in the parking lot, CGL insurance may provide coverage.

Products/completed operations provides coverage for bodily injury or property damage that happened as a result of delivering someone else’s goods.

Example: You are delivering colored pellets and you offload the pellets into the wrong bin and leave the premises. The bin is run through the machine with the wrong color pellets and destroys the line of product.

Damage to premises provides temporary coverage if you rent property for a period of 7 or fewer consecutive days.

Example: There is a water line break and your building does not have water for your employees. You move into a temporary facility for three days and you cause a fire in the temporary facility.