Look beyond the vehicle to the spaces your business touches.
Transportation work creates interactions at terminals, customer sites, loading areas, and offices. General Liability can be part of a broader review of certain third-party claims tied to those operations.
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Commercial Auto and General Liability are designed for different exposures. General Liability may address certain third-party bodily injury, property damage, and personal or advertising injury claims, subject to the policy. A vehicle accident is generally evaluated under an auto policy, while an incident at a terminal or customer location may raise different questions.
For trucking businesses, the locations where freight is loaded, unloaded, staged, and delivered can matter. Contracts, subcontracted services, premises responsibilities, and completed operations may also affect the review. Policy wording determines the actual response, and exclusions or endorsements may change how a scenario is treated.
Map your non-auto exposures
A clear description of your operation makes it easier to discuss relevant options and requirements.
Questions worth asking
A few useful points to bring into a conversation with a professional.
Does General Liability replace Commercial Auto?
No. They are separate policy types for different exposures. A vehicle-related claim may involve auto coverage, depending on facts and policy terms.
Can a trucking contract require General Liability?
Contracts often specify insurance evidence and terms. Review each requirement with a professional so the requested coverage and actual policy language are understood together.
Is cargo damage handled under General Liability?
Cargo damage is not automatically covered by General Liability. Freight protection and contractual liability require a careful review of the relevant policy terms.