Let Us Handle your Insurance and We’ll Let you Handle the Driving!
General Liability Insurance for Truckers
General Liability Insurance for Truckers
Running a trucking business involves more than just what happens on the road. That’s why general liability insurance for truckers is a critical layer of protection—especially when dealing with customers, loading docks, or leased terminals. At Truck Insurance Helpers, we help new and seasoned truckers across Utah get the right coverage for unexpected risks that standard auto insurance doesn’t cover.
What Is General Liability Insurance for Truckers?
General liability insurance is designed to cover non-driving-related claims, such as bodily injury or property damage that occurs off the road. It’s often required by brokers, clients, shippers, and facilities, especially when loading or unloading freight at a customer site.
Typical coverages include:
Bodily Injury – Covers claims if someone is hurt in connection with your business operations.
Property Damage – Protects against damage to third-party property (e.g., buildings, cargo docks).
Medical Payments – Pays medical costs for non-employees injured due to your operations.
Legal Defense Costs – Covers lawyer fees and court costs for covered claims.
Products & Completed Operations – Protection if a service you performed causes damage after the fact.
This coverage is not the same as primary liability or cargo insurance—it fills a different gap in your risk protection plan.
Who Needs It?
General liability is important if you:
Visit customer sites or loading docks
Perform unloading or delivery services
Operate out of a leased terminal or warehouse
Want protection against lawsuits that aren’t related to driving accidents
Need to meet contract requirements from brokers or clients
It’s especially valuable for owner-operators, freight companies, and new authorities trying to grow responsibly.
How to Get General Liability Insurance for Trucking
At Truck Insurance Helpers, we make the process easy for truckers who are just getting started—or expanding operations.
Here’s how it works:
Request a Quote – Submit your info by phone or online.
We Match You With Specialized Providers – We work with insurers who understand the trucking industry.
Review & Customize Coverage – You choose the limits that meet your business and broker needs.
Get Proof of Insurance Fast – We can often issue certificates the same day.
Need primary liability, cargo, or physical damage too? We can bundle them for better rates.
Resources for Truckers Getting General Liability Insurance
Here are helpful links and guides to better understand general liability and related requirements:
FMCSA Insurance Requirements Overview
Small Business General Liability Coverage Explained (SBA)
OOIDA: Business Insurance Products
Have questions? Call us today—we’re happy to walk you through every step.
Types of Commercial Auto Coverage
Diminished Value Insurance Coverage
Diminished Value Coverage accounts for the actual or perceived loss in market value or resale value of a car that was in an accident.
Truck Cargo
In many cases, the most valuable asset in your business is the cargo you haul. Truck Cargo coverage insures the contents of the trailer and much more so you are not liable for damages.
On-Hook Towing Insurance Coverage
On-Hook Towing Insurance Coverage pays for damages to a vehicle, such as fire or collision, while the car is in tow.
Garagekeepers Insurance Coverage
Garagekeeper coverage protects tow truck drivers against things like fire, theft, vandalism, or a collision with a vehicle they are towing.