General Liability Truckers Insurance
✔ Fast quotes in minutes ✔ Texas trucking insurance specialists ✔ Coverage for owner-operators and fleets
Takes less than 30 seconds • Secure & confidential
What General Liability Covers
Protects your trucking business from common third-party claims that happen off the road.
Bodily Injury
Protects your business if a non-employee is injured because of your operations or on your property.
Example: Slip & fall at your yard
Property Damage
Helps cover damage your business causes to someone else’s property during non-driving operations.
Example: Damage while loading or unloading
Legal Defense Costs
Can help pay legal expenses if your business is sued over a covered liability claim.
Example: Customer injury on your premises
What It Does NOT Cover
General Liability is designed for off-the-road risks — not trucking-specific coverages.
Auto accidents
General Liability does not cover accidents involving your truck while driving on the road.
Covered by: Primary Liability Insurance
Cargo damage
Damage to the freight you are hauling is not covered under General Liability.
Covered by: Motor Truck Cargo Insurance
Employee injuries
Injuries to drivers or employees are not covered under General Liability policies.
Covered by: Workers’ Compensation or Occupational Accident Insurance
How Much It Costs
Owner-operators
$300–$800 / year
Small fleets
$800–$2,000+ / year
Depends on operations + limits
Pricing varies
Who Needs It
Owner-Operators
Independent drivers operating under their own authority who want protection from third-party liability claims.
Fleets
Trucking companies with multiple vehicles that need broader protection for business-related risks off the road.
Contracted carriers working with brokers
Carriers working under contracts or broker agreements that may require General Liability coverage.
General Liability Truckers Insurance FAQs
General Liability Insurance helps protect trucking businesses from common third-party claims that happen off the road. It can help cover bodily injury, property damage, legal defense costs, and certain advertising or personal injury claims. For example, it may apply if someone is injured at your office or if your business causes damage during a non-driving operation.
General Liability Insurance is not usually required by federal law for trucking companies, but it is often required by shippers, brokers, landlords, and contract agreements. Many trucking businesses carry it because it adds an important layer of protection beyond auto-related coverage.
No — General Liability Insurance typically does not cover auto accidents involving your truck while driving. Those claims are usually covered under Primary Liability Insurance or other commercial truck insurance policies. General Liability is designed to cover non-driving, third-party business risks.
The amount of General Liability Insurance a trucking business needs depends on its contracts, operations, and risk exposure, but many businesses start with a $1 million per occurrence limit. Some shippers, brokers, or property owners may require higher limits depending on the work being performed.
Get a Trucking Insurance Quote Today
Serving owner-operators and fleets across Texas.
Fast quotes for owner-operators, hotshots, and fleets. Most quotes delivered the same day.
- Same-day quotes in most cases
- Help with COIs, filings, and compliance
- Texas trucking specialists
- No pressure, no runaround
Tell us a bit about your operation and one of our trucking specialists will reach out shortly.
🔒 We respect your privacy. No spam. No obligation.