At Network Truck Insurance Services, we are frequently asked why some brokers require General Liability insurance and what it covers. Often, we find that there is confusion between Auto Liability and General Liability. In short, Auto Liability covers liable actions while the insured vehicle is in motion. General Liability, however, covers liable actions outside of the vehicle. We’ll take a moment to give the ins-and-outs of this increasingly sought after coverage- and hopefully lay some of these questions to rest.
If you are business is for-hire, or motor carrier, changes are you will need Trucker’s General Liability. Some examples of what this line of coverage protects against-
*Customers slipping/falling on premises
*Actions of driver while representing the insured on the premises of others, such as loading docks, truck stops, ect.
*Erroneous delivery of products resulting in damage
When you purchase a General Liability policy, it would also provide the following coverage-
*Personal Injury and Advertising Injury Liability
Personal or Advertising Injury covers injury to a person or entity that is not physical in nature, but has been the result of negligence on your part. For example: using another company’s logo in your advertising without permission.
General Liability Medical Payments cover physical injuries to people that are not typically on your premises, but may become injured while on your property. For instance, if a customer is on your property and falls in the parking lot, General Liability may provide coverage for this instance.
Products/Completed Operations covers bodily injury or property damage that happened as a direct result of delivering someone else’s goods. For example: You are delivering colored pellets, and you deliver the pellets to the wrong bin. That bin is then run through the machine with the incorrect color pellets and destroys that batch of product.
If you have any further questions you’d like answered, or would like a quote to add this coverage to an existing line of coverage we are always here to help. We have agents waiting to offer you a quote and a service team happy to answer any questions!