Whether you are a large trucking company or an owner-operator, it’s important to mitigate your risks with adequate truck insurance. This not only includes coverage for anything that may occur while your vehicle is in operation but also incidents that occur outside of the vehicle. Thus, it’s in your best interest to purchase a general liability policy. It will offer protection against any claims that are brought against your business due to another party suffering bodily injury or property damage. Here is why this is a necessary investment.

What to Know About General Liability Truck Insurance

Coverage Provided by General Liability Insurance

General liability insurance is designed to help with settlements and lawsuits arising out of situations not covered by other types of liability coverage. In addition to covering third party bodily injury and property damage, standard policies provide protection for medical payments, personal and advertising injury, and products/completed operations, and damage to premises rented to you. Personal or advertising injury refers to negligent acts that injure a person or entity financially rather than physically. Products/completed operations apply to damages resulting from the delivery of someone else’s goods.

Incidents Protected Under General Liability Insurance

There are several risks trucking companies face in their day-to-day operations. Some examples of incidents that could be covered by general liability truck insurance include:

• A client slipping and falling in your office
• Delivering a load to the wrong location
• Mistakenly using the logo of another trademarked brand
• Making slanderous accusations against a competitor
• Damaging a hotel room while traveling
• A truck driver causing an incident at a truck stop

If your trucking company faces risks unique to your operations, such as hauling hazardous materials, you should talk to an agent about increasing your policy limits and adding specific endorsements.

Obtaining the right truck insurance for your business is crucial to your success. With the help of C.I.S. - Crop Insurance Solutions, you can be confident you’re getting a policy that will provide sufficient coverage both on and off the road. For over three decades, they have been entrusted to find trucking companies in and around Dumas, TX, high-quality commercial products from reputable industry brands. They also specialize in insurance solutions for those who regularly drive into Mexico as part of their service route. Call (806) 935-6512 to inquire about a quote, or visit their website to submit a message online.