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When Do You Need Trucking General Liability Insurance?

Trucking companies have to balance excellent customer service with speed. Reaching destinations on time and fulfilling orders promptly helps your reputation and maximizes your profits.

Unfortunately, the need to keep the momentum going can also result in accidents during the loading and unloading process. Any transportation business or owner-operator should carry trucking general liability insurance to cover potential damages.

What Does General Liability Insurance for Trucking Include?

Liability coverage focuses on accidents and injuries. For example, a retail store needs liability insurance to cover lawsuits if customers slip and fall. Remodeling companies need to carry coverage in case they damage the client’s home. Trucking general liability insurance covers a wide variety of similar situations in transportation operations:

  • Damage to client property
  • Injuries to customer staff
  • Injuries at your place of business
  • Injuries to for-hire drivers working for you
  • Vehicle accidents caused by your trucks
  • Breach of contract lawsuits
  • Financial damages from incorrect deliveries

It’s important to customize trucking general liability insurance for your business. For example, you can add insurance coverage for your commercial property, semi-truck, cargo or pollution coverage for hazardous materials.

Every transportation company or for-hire driver operates in different environments. Make sure you’re covered for the type of accidents or situations your team encounters.