Premises and operations liability for your trucking business — covers third-party injury and property damage that happens away from the truck itself.
WHAT’S COVERED
01Premises liabilityBodily injury and property damage occurring at your terminal, yard, office, or shop — slips, falls, visitor injuries.
02Products / completed opsLiability for cargo handling, securement, or services after delivery is complete.
03Personal & advertising injuryLibel, slander, copyright infringement in advertising, and similar offenses.
04Defense costsLegal defense in addition to policy limits for covered claims.
WHO NEEDS IT
Any motor carrier with a terminal or yardOperations with shop or office staffCarriers signing shipper contracts that require GLOperations doing cross-dock, warehousing, or value-add services
FAQ
Auto liability only covers losses arising from the operation of a vehicle. The minute someone slips in your terminal or you damage a customer’s dock with a forklift, you’re outside the auto policy. GL fills the gap.
Cargo is first-party — it pays for damage to the freight on your truck. GL is third-party — it pays for damage you cause to others. Different exposures, different policies.
Frequently, yes. $1M each-occurrence GL is a near-universal line item on broker and shipper insurance requirements.
