Owner-Operators Insurance
General Liability Insurance
for Owner-Operators
Trucking general liability covers bodily injury and property damage that occurs away from a moving vehicle — like loading/unloading, using a shipper's dock, or operating out of a terminal. It's separate from auto liability and required by most freight brokers and shippers.
Industry-Specific Insight
Why Owner-Operators Businesses Need General Liability Insurance
Trucking general liability covers bodily injury and property damage that occurs away from a moving vehicle — like loading/unloading, using a shipper's dock, or operating out of a terminal. It's separate from auto liability and required by most freight brokers and shippers.
Coverage Details
What General Liability Insurance Covers
Key protections included in a general liability policy for owner-operators operations.
FAQs
Common Questions from Owner-Operators Businesses
Why do I need GL if I already have commercial auto?
Commercial auto covers accidents on the road. Trucking GL covers incidents not involving a moving vehicle — loading dock injuries, damage to a shipper's freight terminal, or bodily injury while you're inside a warehouse.
Do freight brokers require owner-operators to carry GL?
Yes. Most freight broker contracts require $1M in trucking GL in addition to the FMCSA-required auto liability before they'll dispatch loads to you.
How much general liability coverage do I need?
Common options range from $500,000 to $2 million per occurrence, with higher aggregate limits available. Requirements vary by industry and client contracts. A licensed agent can discuss what's appropriate for your business size and risk.
Does general liability cover my employees?
No — employee injuries are covered by workers compensation, not general liability. GL focuses on third-party claims from customers, vendors, and the public.
Complete Coverage
Other Coverages Owner-Operators Businesses Commonly Need
A complete protection plan for owner-operators operations typically includes several complementary coverages.
Owner-Operators · General Liability
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