General Liability Insurance for Truckers
When you’re in the trucking business, protecting your operation means more than just insuring your trucks. While Primary Liability covers accidents on the road, Commercial General Liability (CGL) protects your business off the road—from customer interactions to contracts to property-related claims.
What Is General Liability Insurance?
General Liability (CGL) guards you, your business, and your employees against claims of bodily injury, property damage, and personal/advertising injury that arise from your day-to-day operations.
Typical claims may include:
A visitor is injured at your office or yard.
Property damage caused while performing non-driving work.
Contractual liability exposure (e.g., lease or broker agreements).
- Advertising-related claims (like unintentional copyright infringement).
Coverage includes:
How General Liability Differs from Primary Liability
It’s easy to confuse the two—here’s the key difference:
Primary Liability → Required by federal law for all motor carriers. Covers accidents on the road, including injury or damage caused to other drivers, vehicles, or property. Minimum $750K limits, $1M standard.
General Liability → Not federally mandated, but often required by shippers, brokers, and facilities. Covers non-driving risks tied to your trucking business operations. Higher optional limits (up to $10M) are available.
Think of it this way: Primary Liability protects you when your truck causes harm on the road. General Liability protects your business itself when claims come from your operations, contracts, or premises.
Protect More Than Just Your Trucks
Trucking is about more than miles—it’s about contracts, compliance, and long-term business stability. With General Liability coverage from FleetGuard USA, you get peace of mind, stronger contracts, and protection for the risks that aren’t covered on the road.
Why Trucking Companies Need General Liability
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Required for contracts – Many brokers, shippers, and facilities won’t work with you without proof of CGL coverage.
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Broader protection – Covers risks that auto policies don’t.
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Affordable coverage – Limits up to $10M available at relatively low premiums.
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Added flexibility – Options for Additional Insureds, tailored endorsements, and higher limits for specialized operations.
Who Needs It?
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Owner-Operators with their own authority
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Small Fleets dealing with brokers and shippers requiring CGL
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Large Carriers seeking higher limits to secure premium contracts
Why FleetGuard USA?
At FleetGuard USA, we specialize in trucking insurance and know how to align coverage with real-world risks. With decades of experience, deep relationships with underwriters, and a full suite of trucking-focused products, we help you:
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Secure contract compliance without overpaying.
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Bundle coverage with Primary Liability, Cargo, and Physical Damage.
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Access competitive rates with top carriers.
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Add endorsements like Additional Insureds or Waivers of Subrogation.
FleetGuard USA provides reliable, customized insurance solutions for trucking companies and owner-operators across the nation. Our mission is to keep you protected on every mile, with coverage you can count on and service you can trust.
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Important Notice: This website provides only a general description of insurance coverages and services offered by FleetGuard USA. It is not a statement of contract. Coverage options, terms, conditions, and exclusions vary and may not be available in all states. For complete details, please refer to the actual policy documents, including all endorsements.
Coverage cannot be bound, amended, or altered through this website, email, or voicemail messages. All changes must be confirmed in writing by FleetGuard USA and are subject to carrier underwriting approval.
