Transportation and passenger services
- Courier services
- Freight forwarders
- Moving services
- Pilot cars
- Taxi and limo services
Specialized Coverage
TRUCKERS GENERAL
LIABILITY (TGL)
Explore Truckers General Liability options for the terminals, contracts, loading activity, and business operations surrounding your fleet.
Some of the insurance markets we work with
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Carrier availability varies by state, operation type, fleet size, and underwriting requirements.
Truckers General Liability Coverage
Truckers General Liability (TGL) is a General Liability discussion tailored to the business activities that surround a motor carrier. Terminals, loading and unloading, contracts, customers, and dispatch operations may create exposures that are different from driving a covered vehicle.
A complement to auto liability
Commercial auto liability and General Liability can apply to different situations. Depending on the policy language and facts of a loss, Truckers GL may be relevant to premises incidents, certain loading activity, and other business operations.
What's Covered
Premises Liability
May address certain covered injuries at terminals, offices, and facilities
Operations Liability
May address certain covered claims arising from described trucking activities
Products Liability
May be relevant for eligible product-related exposures, subject to policy terms
Completed Operations
May be relevant to qualifying work after delivery or services are completed
Personal & Advertising Injury
May address certain covered personal or advertising injury allegations
Medical Payments
May be available for eligible medical-payment coverage, subject to the form
Common Scenarios
Loading Dock Injury
A warehouse worker is injured while helping load freight. Depending on the circumstances and policy terms, this type of incident may be reported for evaluation.
Terminal Property Damage
During terminal operations, equipment damages a shipper's goods. The facts, contract, and policy language help determine which coverage should evaluate the report.
Customer Injury at Office
A customer slips at a dispatch office. Depending on the circumstances and policy terms, this type of premises incident may be reported for evaluation.
Coverage Options
Primary GL Guideline
Primary Limit
$1,000,000
Minimum Premium
$1,650
These are supplied program guidelines, not a quote or an availability promise. Final terms are subject to underwriting and the policy issued.
Excess Auto Guideline
For eligible operations, supplied guidelines indicate excess auto liability may be available alongside the primary General Liability submission. Terms and availability are subject to underwriting.
Available Limit
Up to $5M
Deductible Starts
$1,000
Coverage form, attachment, limits, deductibles, and availability are determined by the carrier underwriting review and issued policy.
Get Your TGL Quote
Start with your operations, locations, contracts, and insurance history. A coverage review can help identify available Truckers GL pathways.
or call 1-888-254-0089
Who Needs TGL?
For-hire trucking operations
Motor carriers with terminals
Freight transportation companies
Long-haul and regional truckers
Owner-operators with business premises
Third-party logistics providers
Coverage Highlights
Operations review
Describe terminals, sites, and services
Contract readiness
Bring COI and additional-insured requests
Submission details
Share loss, location, and prior-coverage information
Related Coverages
Who may need a review
General Liability starts with the operation beyond the cab
A useful review looks at the people, facilities, contracts, and services surrounding the transportation operation—not only the miles driven. The activities below may create business exposures worth discussing.
Trucking and logistics operations
- Truckers
- Short- or long-haul trucking
- For-hire trucking
- Third-party logistics services
- Transloading services
Specialty and property-based operations
- Towing operations
- Warehousing operations
- New ventures
Contracts and operations
Bring the full business context to the coverage conversation
Terminals, customer sites, loading and unloading activity, warehouses, and service agreements can all shape the questions asked in a trucking General Liability submission.
Contracts and certificates
Review service agreements, lease terms, and certificate requests before work begins. They may request specific limits, additional insured status, or other requirements that must be evaluated against the available policy terms.
Loading, unloading, and customer sites
Explain where work happens, who handles freight, what employees or subcontractors do, and how customers access the site. These operational details help frame potential premises and operations exposures.
Claims readiness
Make incident details easier to reconstruct
Organized reporting and records do not change policy terms, but they can help your team provide the information needed to evaluate a reported claim.
- 1
Prioritize safety, secure the location, and follow the operation’s emergency procedures.
- 2
Record the date, location, involved parties, photos, witnesses, and relevant contract or delivery details.
- 3
Notify the claim contact shown on the policy and follow carrier reporting instructions promptly.
- 4
Preserve dispatch, training, maintenance, terminal, and communication records that may relate to the event.
Premises and operations
Connect site practices to the operation you describe
A terminal, warehouse, dispatch office, cross-dock, or customer-facing location can change the exposure picture. Keep a current account of your locations, visitors, services, and loss controls.
Visitor, driver, and vendor access procedures
Housekeeping, signage, and loading-area safety practices
Employee, leased-operator, and subcontractor responsibilities
Current location, warehousing, and transloading descriptions
Market and program access
General Liability pathways for transportation operations
Carrier and program options depend on the operation, territory, services, prior experience, contracts, and underwriting review. Potential pathways may include:
Program guideline
Transportation liability guideline
Eligible transportation operations may be considered. The following supplied parameters are program guidelines, not a quote or availability promise:
- Commercial General Liability policy structure
- ISO occurrence or claims-made form options
- Employee Benefits Liability and Stop Gap Liability options
- Up to $1 million in primary limits
- Up to $5 million available with an eligible excess auto layer
- $1,650 minimum premium guideline
- Deductible options starting at $1,000
Specialty market pathway
Potential market access is evaluated with the complete submission and underwriting review.
Transportation market pathway
Potential market access is evaluated with the complete submission and underwriting review.
Fleet-focused market pathway
Potential market access is evaluated with the complete submission and underwriting review.
Program details describe potential placement pathways only. Eligibility, coverage, deductibles, limits, pricing, and availability are determined by underwriting and the policy issued. Individual quote premiums, taxes, and fees are not universal public prices.
General Liability questions
Questions to work through before a trucking GL review
A complete description of the operation helps the discussion start with the right questions.
Start a General Liability reviewHow is General Liability different from commercial auto liability?
Commercial auto liability is generally centered on the use of covered vehicles. General Liability is designed for many non-driving business exposures, such as premises, operations, completed work, or advertising injury. The specific division between policies depends on the facts and policy language.
Do contracts and certificates of insurance affect a General Liability review?
Often. A shipper, warehouse, terminal, landlord, or customer agreement may require a certificate, an additional insured endorsement, a specific limit, or other terms. Bring the contract to the review so the requested wording can be considered before a job begins.
Can new ventures be considered for trucking General Liability?
Some programs may consider new ventures, but requirements, documentation, pricing, and availability vary. A clear description of the operation, drivers, locations, contracts, and prior experience helps make the first review more useful.
What does occurrence versus claims-made mean?
These are different policy structures that can affect when coverage may respond. A coverage professional can help explain the form offered, applicable retroactive dates or reporting provisions, and how the terms fit the operation.