Motor Truck General Liability Insurance

Motor truck general liability insurance in Florida protects for-hire truckers or carriers from:

• Customers who slip and fall on the premises
• Delivery errors that result in damage
• False advertising claims
• Fire damage
• Other coverages

Running a trucking business, whether you're an owner-operator or a fleet owner, comes with risks. Our coverage safeguards you against these risks with affordable plans that protect you from third-party injury or damage claims caused in the course of your business.

Motor truck general liability protects you from financial loss.

Speak to one of our representatives to learn more.

General liability insurance shields you, whether you're an owner-operator or have a fleet of trucks, from financial losses. You can drive safely, train drivers and do everything "right," and still be named in a lawsuit that causes you financial damage.

You are liable for direct or indirect harm caused by you, employees or your business if:

• Someone slips and falls on your property
• Delivery mistakes cause damage
• Fire damages the property you rent
• You're accused of false advertising
• Actions damage another party's reputation

For example, if a manufacturer comes to your office to discuss shipping rates and slips and falls in your building. Motor truck general liability insurance will cover the related expenses, such as medical payments and claims of bodily injury.

If a manufacturer needs goods delivered at a certain time to meet a milestone and delivery happens past the deadline due to an error on your part, this mistake can cause significant damage. Your customer may lose a contract due to your error, which may result in a lawsuit.

Motor truck general liability covers these instances and more.

You focus on growing your trucking business. We'll supply the insurance coverage to stop lawsuits from shuttering your doors.

General liability insurance consists of multiple components that make up your policy. Coverage in a standard plan includes but is not limited to:

• Bodily Injury and Property Damage Liability
  If an employee or your business causes physical harm to someone or damages their property, bodily injury and property damage liability will cover these costs. Insurance will pay for:
  • Legal defense
  • Medical bills
  • Court judgments
  • Settlements
  For example, if your employee backs into the customer's equipment and damages it, you'll be covered for these damages.
• Damage to Premises Rented
  If you rent space for your business, such as storage space for customer loads or office space, this coverage extends to:
  • Damages to the "rented" space
  • Fire or water damage to equipment
  Damage to premises rented is a very specific type of insurance that has a limited coverage scope.
• Medical Payments
  If someone is injured on your premises or due to the actions of your business or an employee, medical payments are covered. Lawsuits are not a requirement for this coverage. For example, if a delivery person trips and falls on-site, medical payments will cover:
  • Emergency room visits
  • Doctor visits
  • Therapy
  • Specialists
  • Etc.
• Personal and Advertising Injury Liability
  Non-physical harm coverage falls within the personal and advertising injury liability section of your coverage. Cover is available for:
  • Libel and slander
  • False advertising
  • More
• Products-complete Operations
  Coverage for property damage or personal injuries that are linked to the products you sell or work that you complete.

Are you interested in motor truck general liability insurance but don't know where to start?

Speak to one of our representatives for a quote.

Businesses and owner-operators who are engaged in for-hire trucking, such as hauling goods for other companies, qualify for motor carrier general liability insurance in Florida. If you drive a big rig or tractor-trailer, you likely qualify for this insurance.

Certain types of vehicles do not qualify for a general liability policy like this, such as:

• Buses
• Cement trucks
• Garbage trucks
• Ice cream trucks
• Limousines
• Passenger vans

Not sure if you qualify for motor truck general liability insurance? We'll help you determine your eligibility.

Your trucking business is your livelihood. Add the right insurance coverage to your existing policy or have a new one drafted, and protect you and your business from lawsuits and damages.

One of our insurance experts will be happy to help you:

• Choose your policy limits and deductibles
• Tailor policies that offer comprehensive coverage
• Meet federal and state coverage requirements
• Minimize your risks

Don't let a small mistake upend your trucking business.

Call us to have one of our agents start on your motor truck general liability insurance in Florida.