General Liability
Coverage Guide
On-premises and operations liability beyond the road
What Does General Liability Cover?
Commercial general liability (CGL) covers bodily injury and property damage claims that arise from your business operations but are not related to driving your truck. This includes incidents at your terminal, warehouse, or facility; loading and unloading accidents at a customer site; advertising injury; and products liability. It does NOT cover accidents while the truck is moving — that's what your primary auto liability covers.
Who Needs General Liability?
Owner-operators and fleet operators who have a terminal, yard, or office; carriers who load or unload freight at customer sites; construction-related carriers (dump trucks, flatbeds) who work at job sites; and any carrier required by a shipper or broker contract to carry a CGL policy. Many larger shippers require $1,000,000 per occurrence / $2,000,000 aggregate minimum.
Cost & Coverage Limits
Key Facts About General Liability
- Covers off-road business liability — your yard, terminal, loading/unloading incidents
- Does NOT replace primary auto liability for driving accidents
- Many broker contracts require $1M per occurrence minimum
- Dump truck and flatbed operators especially need this for job-site work
- Can be bundled with primary auto in a Commercial Package Policy for discounts
Common Questions About General Liability
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