Given the diversity of cargo types and the countless hours spent on the road, unforeseen circumstances and accidents may just be a matter of time, even for the most cautious of operators. A Truckers liability insurance ( Commercial Auto Policy ) pays for Bodily Injury and property damage you cause as a result of operating your truck.
Does my auto insurance cover me?
No, your Commercial auto policy only covers you for Bodily Injury and Property Damage liability arising out of the use and operation of the truck, as well as the loading and the unloading of the vehicle.
A Trucker General Liability Policy pays for Your “premises and operations,” which means your shop, yard, and entire operation, as well as when you and/or employees are away from your premises and are while conducting work-related operations. Note that it does not cover transportation exposures as these are insured on your commercial automobile policy.
A Trucker’s General Liability Insurance Policy typically covers: