General Liability Insurance for Trucking Businesses
What Is Commercial General Liability (CGL)?
CGL protects your trucking business from third-party bodily injury, property damage, and personal & advertising injury claims that arise from your premises, operations, or completed work—things like a visitor slipping at your yard or damage caused while loading/unloading at a dock.
CGL is not auto liability or cargo. It covers your business liability away from the road, including premises/operations and products-completed operations.
Coverage Highlights & Common Endorsements
Included/Available Options: premises & operations, products-completed operations, personal & advertising injury, medical payments, additional insured (blanket/scheduled), waiver of subrogation, primary & noncontributory, per-project/per-location aggregate, contractual liability, and where eligible, hired & non-owned auto (HNOA) endorsement.
What’s Covered / Key Exclusions
Covers: third-party BI/PD from premises or ops; products-completed ops; personal & advertising injury; fire legal liability (where included).
Excludes: auto accidents (that’s primary auto liability), cargo, employee injuries (workers’ comp), damage to your own property, professional errors, and most pollution unless endorsed.
Typical Limits: $1,000,000 per occurrence / $2,000,000 aggregate; higher via umbrella.
Who Needs General Liability?
Motor carriers & fleets – offices, yards, and dock operations.
Owner-operators – contracts that require CGL and AI/P&NC endorsements.
Freight brokers/dispatch/warehousing – customer/landlord certificate requirements; premises exposure.
Leased to a carrier? Carrier auto liability won’t replace CGL for premises/dock exposures. Many landlords and shippers still require your own CGL.
How Much Does General Liability Cost?
Pricing depends on gross receipts/payroll, locations & operations (yard, shop, warehousing), class codes, limits/deductibles, contract requirements (AI, P&NC), and loss history.
Key Pricing Factors
Gross receipts & payroll by class
Yard/shop/warehouse exposures & security
Additional insured & waiver requirements
Claims history & safety practices
Requested occurrence/aggregate limits
Most trucking contracts ask for $1M / $2M CGL. Large shippers/landlords may require $5M+ via umbrella—we’ll align your limits to each contract.
Why Choose Us for General Liability?
Trucking-specific forms, fast additional insured certificates, and endorsements (P&NC, Waiver) that match shipper and landlord wording.
Clear risk guidance for docks & yards, flexible limits, and help coordinating auto, cargo, and umbrella for seamless compliance.
Get a General Liability Quote Today
Protect your docks, yards, offices, and operations with CGL—then layer auto, cargo, and umbrella for full compliance.
👉 Call us at 908-888-0120 or use our quick online form to get started.