General liability may address qualifying bodily injury, property damage, premises, and operations exposures that are not caused by operation of a covered commercial vehicle.
Coverage starts with your operating model.
Underwriters evaluate how equipment, drivers, freight, routes, contracts, and business experience work together.
- Trucking companies with office or yard exposure
- Businesses with loading or delivery operations
- Contractors needing proof of GL
- Freight and logistics support businesses
Build the policy around the actual exposure.
Coverage Scope
The policy form, endorsements, exclusions, limits, deductibles, and scheduled exposures control what is covered.
Contract Review
Broker, shipper, lender, lease, and customer requirements should be reviewed before selecting limits.
Underwriting Review
Eligibility and pricing depend on complete, accurate operational information and carrier appetite.
Information that helps reduce back-and-forth.
- Business activities and locations
- Contracts and certificate requirements
- Revenue, payroll, and subcontractor use
- Loss history and requested limits
Common mistakes to avoid
- Assuming all policy forms provide identical protection
- Using incomplete or outdated application details
- Relying on a certificate instead of policy and endorsement wording
- Treating a request as confirmed coverage
Know what to expect before you submit.
Does general liability replace auto liability?
No. Vehicle-related liability requires commercial auto coverage.
Does it cover employee injuries?
Workers compensation is a separate coverage area.
Why do contracts request GL?
Contracts often require evidence of operations coverage and specific limits or endorsements.
Review General Liability
Share the details of your operation and documents. A licensed producer will review the request and explain the next step.
Coverage notice: Website content is general information only. Coverage, limits, pricing, eligibility, filings, endorsements, and effective dates require review and written confirmation from a licensed producer or authorized carrier. A website submission does not bind, change, or cancel coverage.