Motor Truck General Liability Insurance

“Motor Truck General Liability Insurance” is one of those kinds of insurance that seems a bit confusing at first. But, once you know what it means, it becomes a good investment for you and your business. It covers any injuries or property damage that comes from business activities that (and this is the crucial part) aren’t directly related to truck operation. So, it covers your business’s exposure to slander and libel. It covers people slipping and falling at your workplace. Should you deliver your cargo to the incorrect location, or cause property you’ve rented to catch fire, then this insurance would have you covered. Many clients have used this insurance when their truck gets damaged at loading docks, truck stops, or similar locations. This is the kind of insurance that goes beyond your truck: it protects your entire business.

• Bodily Injury Liability and Property Damage
  While it sounds like this insurance may just cover property you damage or people you injury, it actually goes a bit further than that. Imagine: you sell an engine to a trucker. They put it in, they’re doing fine, but then the engine goes bad. That trucker crashes and is injured. This insurance protects you here. By that same token, it would also protect you should you throw a party for your employees and one gets into a DUI accident on the way home. Clients have used this insurance for those times when another company calls them about a former employee and they forget to mention their past drug use. Or alternately, when hiring an employee and they manage to hide facets of their past from the screening process. This insurance keeps things like this from sinking your business.
• Advertising Injury and Personal Injury Liability
  You may read that and wonder “how could I be hurt by an advertisement?” Well, it actually covers injuries that occur to a person or entity that are due to your negligence but can’t physical. A common occurrence of this would be if you advertised with the logo of some other company. Obviously, no one’s physically injured here. But, there is an injury to the entity itself. You would be protected in that circumstance as well as many others. Again, should you have any questions about these, we’re always glad to talk.
• Medical Payments
  If you’ve been clicking through our site reading about each of our different insurance offerings, you probably seen multiple references to “medical payments.” However, this particular medical payments option is different than the others. This one covers medical payments for people who get injured on your property but mostly aren’t on your premises. The examples typically used here are customers who slip and injury themselves in your bathroom, office or the like. This insurance may not seem like the biggest deal, but it can also be a kind of insurance that saves your company in case of an unforeseen event.
• Damage to Premises Rented to You
  You’ll be covered by this kind of insurance if you rent property for a week or less. The common example is it covers you if something happens to a hotel room you’re in that you’ve rented while your truck is being prepared. You can probably think of other examples where you may have rented property in terms of work, and this insurance can cover a broad example.
• Products and Completed Options- This is a one of a kind type of trucking insurance. Should you be hurt or your property damage as a result of delivering someone else’s cargo, you’ll be covered. Imagine if you’re delivering cargo that you accidentally put into the wrong container. It gets out, and then everyone in the surrounding area falls ill. You put it in the wrong container, so you’re liable, but this insurance would have you covered. That may seem like an extreme example, but when you’re hauling more precious and unique kinds of cargo, this type of event is more common than you might think.

Not every type of truck can get this kind of trucking insurance. To make sure that you can get the right insurance for your truck, we always encourage you to contact us. That way, we can figure out a way to get you all the insurance you need while making sure that you aren’t paying too much. With a plan customized for your company, you’ll have the kind of insurance that leaves you confident in both your business and the bottom line.