GENERAL LIABILITY INSURANCE

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What is General Liability Insurance (GL)?

General Liability is responsible for keeping a business protected by providing coverage for any lawsuits arising from slips and falls while on a business premises.

It’s always a good idea to have this coverage in place and will sometimes be required by certain shippers in order to be able to haul their commodities. An example of a company needing it’s truckers to carry General Liability insurance, is Amazon (Amazon Relay Program)

Who Needs General Liability Insurance and Why?

Any business owner that wants to keep their business protected from lawsuits arising from injury or property damage to others on their premises.

What General Liability Insurance Covers

General Liability is a great insurance policy to carry for any business owner as it will provide ways of protecting your business from lawsuits. This insurance will cover any bodily injury and property damage to others while they are on your premises. This will also cover any bodily injury or property damage done by you or an employee while not operating the vehicle, such as dropping your cargo on a piece of equipment or structure and damaging it.

What General Liability Insurance Doesn't Cover

General Liability will not cover any:

Bodily Injury or Property Damage to others resulting in the operation of a commercially owned vehicle
Damage to a shipper’s commodity you are hauling
Damage to your vehicle

What General Liability Insurance Limits You Need

Typically, you will need a minimum limit of $1,000,000 Per Occurrence and $2,000,000 aggregate.

The “Per Occurrence” limit refers to the total maximum amount that the insurance company will pay out for any one claim or occurrence.
The “Aggregate” limit refers to the total maximum amount the insurance company will pay out for the entire policy period.