Commercial General Liability for Trucking Businesses

Coverage Overview — Beyond the Truck

Trucking company general liability insurance (CGL) covers everyday business risks not tied to driving the truck on public roads. Think visitor injuries at your Cabot office, damage to a customer’s property during operations, or personal & advertising injury. CGL is separate from commercial auto liability and does not insure the freight—that’s the job of motor truck cargo—but it rounds out your commercial trucking insurance so contracts and facility requirements are easier to meet across Central Arkansas.

Why Trucking Companies Add CGL

Many brokers, shippers, and warehouses require CGL in addition to auto liability—often $1M per occurrence—before they’ll issue gate access or load tenders. Even small fleets face non-driving exposures: a vendor trip, a job-site visit, or a customer walk-in incident can all create claims. CGL is a relatively low-cost way to protect your business and win contracts from Little Rock to the River Valley.

Policy Features & Options

Standard limits are commonly $1M/$2M with options for higher aggregates. Endorsements can address special events, trade shows, or specific customer requirements. When contracts call for higher totals, a commercial umbrella may sit over both CGL and auto liability (subject to eligibility) to reach the required combined limits.

General Liability vs. Non-Trucking Liability

Non-Trucking Liability (bobtail) concerns your tractor when not hauling under dispatch; CGL concerns business operations off the road. They solve different problems, and many fleets carry both as part of a well-rounded program.