General Liability
General Liability protects your business beyond the road. This coverage is a safeguard from financial impacts of property damage or third-party injuries that may occur during business activities that are not directly tied to operating your truck.
What Is General Liability Insurance?
There’s more to a fleet owner’s business than managing truck routes and making sure cargo gets from Point A to Point B safe and on time. General Liability insurance covers incidents that aren’t related to operating a truck, such as property damage during loading/unloading or a customer slipping and injuring themselves on a trucking company’s property.
Injury & Property Damage
General Liability protects against the financial impact of injuries or property damage resulting from various business activities beyond operating your truck.
Protection For Your Assets
We offer $1 Million per Occurrence, $2 Million Aggregate.
Compliance & Requirements
Some brokers and shippers mandate specific insurance coverage. Meet those requirements and foster seamless partnerships while staying fully compliant.
Request a Quote
Get started today and save on commercial truck insurance by filling out our insurance quote form!
General Liability Insurance FAQs
What are other examples of incidents that may happen outside of operating a truck that General Liability insurance would cover?
General Liability insurance may cover incidents that occur outside of operating the insured truck. A few examples include:
- A driver causes damage to a customer’s property while loading or unloading a delivery.
- Visitors, vendors, or even drivers of other companies slipping in a trucking company’s yard, parking lot, or office
- A customer is injured on your business property.
Is General Liability insurance coverage legally required?
No, the Federal Motor Carrier Safety Administration (FMCSA) does not mandate General Liability insurance coverage, but it’s highly recommended and often required by brokers and shippers that fleets do business with. This is because General Liability coverage applies to many incidents that can occur outside of operating a truck.
Why do motor carriers choose Ten Four Truck Insurance?
We only insure people in the business of trucking, including motor carriers for their auto liability needs. That’s what makes us different. We know all aspects of the trucking industry and tailor our policies to meet your specific needs as a fleet owner. Plus, we keep everything about the process simple. We’re fast, easy to work with and responsive. At the end of the day, we protect you so you’re protected in the event of an accident.
How much can I save on insurance coverage?
We’re able to save our policyholders money because we only insure trucks. Plus, 98% of our policyholders have never had a rate increase. Unlike some insurance companies, we won’t increase your premium after the first year or “just because.” We reward safe drivers and fleets instead of punishing them.
Many insurance carriers can’t say this. Some fleets have seen increases of over 40% in the last few years. Small trucking fleets of less than five trucks often face significantly higher insurance costs per mile compared to larger fleets.
Not with Ten Four Truck Insurance. Request a quote to determine how much you can save by partnering with us.
What are the benefits of being insured by Ten Four Truck Insurance?
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,The benefits can be broken down into three categories.
1. Real people.
When you pick up the phone to get a quick quote, file a claim, or ask a question, a real person answers. Our team of trucking experts is entirely in-house. No third parties. That’s because we’re dedicated to dependable, reliable service.
2. Real savings.
We know trucks inside and out. We only insure Class 8 commercial trucks – nothing else. Rates can often increase for everyone when an insurance carrier provides coverage for other uses and vehicles. Ten Four Truck Insurance cuts out the fluff and save customers an average of 15-20%.
3. Real fast.
Need a quote today? You got it. With industry-leading turnaround times and an easy approval process, quotes, claims, and general questions are addressed promptly.
Why is it important to work with a commercial truck insurance company that understands trucking?
Policyholders are better protected if they partner with an insurance provider who understands the commercial trucking industry. In the event of an accident, having the right legal representation is paramount. Ten Four Truck Insurance partners with legal representation that knows the industry in each of the states where we operate.
Request a Quote
Get started today and save on commercial truck insurance by filling out our insurance quote form!