Coverage Overview

The Liability Side of Trucking, Clearly Drawn

General liability (off the road) on one side, auto and cargo (on the road) on the other — so coverage never overlaps or gaps.

General Liability — The Off-Road Side

Truckers General Liability

Truckers General Liability (TGL) covers the non-auto liability exposures of a trucking operation — the things that happen off the highway, at your terminal, your loading docks, and on a shipper's or receiver's premises. Primary auto liability covers the truck on the road. TGL covers everything around it: a visitor slipping in your yard, damage to a customer's dock, a fuel spill at your fuel island, or a claim from operations you completed weeks ago.

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Non-Trucking Liability (NTL)

Non-Trucking Liability (NTL) protects a leased-on owner-operator when they're driving the truck for personal or non-business use — not under dispatch and not hauling for the motor carrier. When the truck is off the clock, the motor carrier's primary auto liability doesn't follow, and the owner-operator needs their own liability coverage. That's NTL.

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Motor Carrier General Liability

Motor Carrier General Liability is the general liability policy for the motor carrier or authority holder — the company itself. While truckers GL can be written at the driver or unit level, motor carrier GL covers the business entity: its terminals, offices, dispatch operations, brokerage activity, and the completed-operations exposure that follows the freight you've moved.

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Truckers Pollution Liability

Truckers Pollution Liability covers the cleanup costs, third-party claims, and defense costs when a contaminant is released at a trucking operation — a diesel spill at the fuel island, a DEF or oil leak in the maintenance shop, or a chemical release during loading. Standard general liability carries an absolute pollution exclusion, so without this policy, the cleanup is on you.

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Terminal Operators & Warehouse Legal

Terminal Operators and Warehouse Legal Liability covers trucking terminals, cross-docks, and warehouses for the goods and operations in their care. When freight is unloaded, sorted, stored, and reloaded at your facility, you take on a liability that standard general liability and motor truck cargo policies don't fully address — damage to customers' goods while in your custody.

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Truckers Workers' Compensation

Truckers Workers' Compensation covers medical costs, lost wages, and disability for the drivers, dock workers, and mechanics in your operation. Trucking has elevated injury exposure — highway accidents, loading-dock crush injuries, and shop accidents — and nearly every state requires coverage the moment you have employees.

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The Other Side — Auto & Cargo

Bobtail Insurance

Bobtail insurance (bobtail liability) covers a leased-on owner-operator when driving the tractor without a trailer attached — typically returning from a drop, repositioning, or deadheading. During dispatched, revenue-generating trips, the motor carrier's primary auto liability covers the truck. When the trailer is dropped and you're still moving the tractor, bobtail fills the gap.

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Motor Truck Cargo Insurance

Motor Truck Cargo insurance covers the freight a for-hire carrier hauls against loss or damage while in transit. It's not liability for the truck or the driver — it's coverage for the goods themselves. When a load is damaged in a crash, a reefer fails, or cargo is stolen, motor truck cargo is what makes the shipper whole and protects the carrier.

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