A growing number of risk managers require for-hire truckers to have Motor Truck General Liability insurance. You can meet that requirement with Progressive’s Truck GL coverage. It pays for injuries or property damage you cause as a result of business activities not directly related to operating your truck.
Just need general liability insurance?
If you’re not a for-hire trucker or motor carrier, you might be looking for our general liability insurance information instead.
Who needs motor truck general liability insurance
If you’re a for-hire trucker, or motor carrier, you’ll most likely need Trucker’s GL.
Examples of situations where Motor Truck General Liability insurance may provide coverage:
- Customers slipping / falling on your premises
- Erroneous delivery of products resulting in damage
- Actions of a driver while representing the insured and on the premises of others, such as, loading docks, truck stops, etc
- Libel and slander exposures
- Fire on rental property due to insured’s error
You’ll also want to consider purchasing Motor Truck Cargo insurance, which protects the load that you’re hauling in case of fire, theft, or collision.
Limits, deductibles, and other details
When you purchase Motor Truck General Liability insurance, it provides the following coverages:
- Bodily Injury and Property Damage Liability
- Personal Injury and Advertising Injury Liability
- Medical Payments
- Products / Completed Operations
- Damage to Premises Rented to You – Note: Coverage available for 7 days or less
Personal or advertising injury covers injury to a person or entity that is not physical in nature and is the result of negligence on your part. An example would be if you use another company’s logo in your advertising.
General Liability Medical Payments cover physical injuries to people that are typically not on your premises, but may become injured while on your property. If a customer is on your premises and slips and falls in the parking lot, Motor Truck General Liability insurance may provide coverage.
Products / Completed Operations provides coverage for bodily injury or property damage that happened as a result of delivering someone else’s goods.
Example: You are delivering colored pellets and you off the pellets in the wrong bin and leave the premises. The bin is run through the machine with the wrong color pellets and destroys the line of product.
Damage to premises provides temporary coverage if you rent property for a period of 7 or fewer consecutive days.
Example: There is a water line break and your building does not have water for your employees. You move into a temporary facility for three days and there is a fire.
Exceptions and restrictions
In order to purchase Motor Truck General Liability insurance, you’ll also need to purchase Primary Liability coverage, which protects you in case you cause an accident. Motor Truck General Liability insurance is only available on for-hire trucking risks – if you’re exclusively hauling property or goods that you don’t own for a fee. If you operate a business in addition to for hire trucking you are ineligible for trucker’s general liability. Motor Truck General Liability insurance is not available for fleet policies and drivers are limited to a 500 mile radius.
Trucker’s GL is not available on the following vehicle types:
- Garbage trucks
- Cement trucks
- Limos
- Hearses
- Buses
- Passenger vans
- Ice cream trucks
Motor Truck General Liability insurance is not available in all states and situations. Contact us to learn more.
