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Trucker’s General Liability insurance protects your business from claims that do not arise from driving the truck itself. These losses often happen at docks, warehouses, yards, and customer locations, and they are not covered by Auto Liability.
Cogo Insurance places Trucker’s General Liability coverage for owner operators and fleets across the United States. We structure policies that align with real trucking operations and shipper contract requirements.
Trucker’s General Liability responds to third party bodily injury and property damage claims unrelated to the operation of the vehicle on public roads.
Typical covered claims include:
This coverage fills a critical gap left by Auto Liability.
Most policies are written with:
Higher limits are available and may be required by certain shippers, warehouses, or terminals.
Trucker’s General Liability is commonly required for:
Even carriers that rarely leave the cab can face GL exposure.
Underwriters focus on:
Accurate descriptions of operations are essential for proper coverage.
Issues often appear only after a claim:
Cogo Insurance reviews policy language and endorsements carefully.
General Liability for trucking is not the same as a standard GL policy.
We make sure your coverage responds where Auto Liability stops.
No. It is not legally required, but many shippers and facilities require it by contract.
No. It covers different types of losses and complements Auto Liability.
Yes, when properly written, it covers bodily injury during loading and unloading activities.
Yes, subject to policy terms and exclusions.
Often yes. Premises and operations exposure still exists.
Yes. We review shipper and warehouse contracts to confirm GL compliance.
