A growing number of risk managers require for-hire truckers to have Motor Truck General Liability insurance. You can meet that requirement with Progressive’s Truck GL coverage. It pays for injuries or property damage you cause as a result of business activities not directly related to operating your truck.
Did you know?
Motor Truck General Liability insurance is a coverage that can be added directly to your Progressive Commercial Auto policy. We currently don’t offer it as a standalone coverage.
Contact us to add this coverage to your commercial truck policy today or start a commercial auto quote online.
If you're not a for-hire trucker or motor carrier, you might be looking for our General Liability insurance information instead.
If you’re a for-hire trucker or motor carrier, you’ll most likely need Trucker’s GL.
Motor Truck General Liability insurance may provide coverage for the folllwing situations:
You’ll also want to consider purchasing Motor Truck Cargo insurance, which protects the load that you’re hauling in case of fire, theft or collision.
Motor Truck General Liability insurance provides the following coverages:
Personal or advertising injury covers injury to a person or entity that is not physical in nature and is the result of negligence on your part. An example would be if you use another company’s logo in your advertising.
Medical Payments insurance cover physical injuries to people that are typically not on your premises but may become injured while on your property. If a customer is on your premises and slips and falls in the parking lot, Motor Truck General Liability insurance may provide coverage.
Products-completed operations provides coverage for bodily injury or property damage that happened due to delivering someone else's goods.
Example 1: You are delivering colored pellets and you drop off the pellets in the wrong bin and leave the premises. The bin is run through the machine with the wrong color pellets and destroys the line of product.
Damage to premises provides temporary coverage if you rent property for a period of 7 or fewer consecutive days.
Example 2: There is a water line break and your building does not have water for your employees. You move into a temporary facility for three days, and there is a fire.
To purchase Motor Truck General Liability insurance, you’ll also need to get Primary Liability coverage, which protects you if you cause an accident. Motor Truck General Liability insurance is only available on for-hire trucking risks when you’re exclusively hauling property or goods that you don’t own for a fee. If you operate a business in addition to for-hire trucking, you are ineligible for Trucker's General Liability. Motor Truck General Liability insurance is not available for fleet policies, and drivers are limited to a 500-mile radius.
Trucker’s GL is not available on the following vehicle types:
Motor Truck General Liability insurance is not available in all states and situations. Contact us to learn more.
