Coverage Guide
Understanding GL Insurance for Trucking Companies
What GL covers, what it doesn't, and why motor carriers need it alongside commercial auto — explained without insurance jargon.
$1M/$2M GL policies written for motor carriers, owner-operators, and freight brokers. Same-day certificates, A-rated carriers, additional insured processing in hours — not days.
Typically responds within 1 business hour
A commercial general liability (CGL) policy for trucking includes six coverage components. Here's exactly what each one does — and why your broker contract requires it.
Covers bodily injury and property damage at your business location and during your business operations — including loading docks, dispatch facilities, and yard areas.
$1M per occurrenceResponds to claims that arise AFTER your delivery is complete and your truck has left. Crucial for freight brokers — your liability doesn't end when the carrier drops the load.
$2M aggregateCovers indemnification and hold-harmless obligations you assume in written contracts. The reason brokers require this: they transfer risk back to you in the broker-carrier agreement.
Included in occurrence limitLibel, slander, copyright infringement, invasion of privacy — claims from your marketing materials, social media, or business communications.
$1M per occurrencePays third-party medical bills regardless of fault — prevents minor injuries from becoming lawsuits by providing immediate medical coverage without requiring fault determination.
$5K–$10K per personBrokers, shippers, and property owners can be named as additional insureds — they're protected under your policy for claims arising from your operations. We process AI requests same day.
Same-day processingBroker-carrier agreements specify minimum GL requirements. Most are $1M/$2M, but large 3PLs and asset-based carriers operating broker divisions require higher limits. We review your contract and confirm your GL satisfies it before binding.
| Broker/Shipper Type | Required GL Limits | Additional Insured? | Status |
|---|---|---|---|
| Standard Freight Broker | $1M/$2M | Usually required | Required |
| Large 3PL / Logistics Company | $1M/$2M – $2M/$4M | Always required | Required |
| Major Retail Shipper (Walmart, Amazon Freight) | $2M/$4M or higher | Always required | Required |
| Mid-Size Broker / Agent | $1M/$2M | Common | Required |
| Oilfield / Energy Shippers | $1M/$2M minimum | Typically required | Required |
| Small Spot-Market Loads | Not always specified | Occasionally | Recommended |
Send us your broker-carrier agreement — we'll confirm your limits and set up additional insured certificates before you sign.
We've streamlined the GL process specifically for trucking operators who need coverage fast — because your next load doesn't wait 72 hours for an insurance certificate.
Tell us your operation type, annual revenue, and any existing broker contracts you need to satisfy. Takes 2 minutes.
A licensed trucking specialist reviews your info, pulls programs from our carrier partners, and contacts you with options — usually within 1 business hour.
If you have a broker-carrier agreement, send it over. We confirm your limits satisfy the contract requirements before we bind.
You approve the program, we bind coverage and issue your GL certificate — including any additional insured endorsements. Same day, every time.
What GL covers, what it doesn't, and why motor carriers need it alongside commercial auto — explained without insurance jargon.
The difference between professional liability (E&O) and general liability — and which one applies to your trucking operation.
State-by-state guide to workers' comp for trucking companies — when it's required and how to stay compliant.
Submit a quote request and a licensed trucking specialist will contact you within one business hour. Same-day binding, same-day certificates.
Get a Free GL Quoteor call 844-967-5247 · Mon–Fri 8am–5pm MST
A licensed specialist will review your operation, your broker contracts, and your existing coverage — then contact you with options that work.