MOTOR TRUCK GENERAL LIABILITY INSURANCE
With over 20 years of experience, Southern Charm Insurance has become one of the most trusted names in commercial truck insurance across the nation. We offer flexible coverage and payment options, free filings, specialized heavy truck claims handling, discounts, and expert support to keep your business protected and running smoothly.
General Liability Insurance
General Liability Insurance protects your business from financial loss if you’re held responsible for bodily injury, property damage, or personal injury arising out of your operations.
This coverage ensures that your business stays financially secure even when unexpected incidents occur.
At Southern Charm Insurance, our experienced underwriters and risk control specialists understand your local market and industry risks — offering custom-tailored protection for truckers, repair shops, and various other small businesses.
Our dedicated liability claims handlers efficiently manage cases of all sizes, helping resolve claims quickly while keeping your legal costs low.
We offer General Liability for many types of businesses including:
- Truckers General Liability
- Auto Repair Centers and Garages
- Retail Stores
- Hair Salons
- Convenience Stores
- Warehouse
Trucker's General Liability Insurance FAQs and Additional Information
What is General Liability Insurance?
General Liability Insurance protects your trucking business from financial losses caused by claims of bodily injury, property damage, or personal injury that occur during your business operations.
It provides vital coverage for legal expenses, settlements, and judgments—helping you stay protected when unexpected incidents happen.
It’s important to note that General Liability and Primary Liability are not the same.
General Liability covers accidents that happen off the road.
Primary Liability covers you while on the road.
Who Needs General Liability Commercial Truck Insurance?
Every commercial trucking business—whether you’re an owner-operator, manage a small fleet, or run a large transportation company—can benefit from General Liability Insurance. It’s essential protection against unforeseen risks that can threaten your business’s financial stability.
Why Do Truckers Need General Liability Insurance?
Truckers face unique risks daily, from property damage to third-party injuries. This coverage helps safeguard your business assets and ensures long-term stability by handling legal expenses, claims, and settlements—so you can focus on the road ahead, not the paperwork behind.
What Coverages Can Be Expected?
A General Liability policy typically includes:
Bodily Injury Coverage
Property Damage Coverage
Personal and Advertising Injury Protection
Medical Expense Coverage
Legal Defense Costs
Coverage may vary depending on your insurer and policy terms.
General Liability Limits, Deductibles, and More
Choosing the right limits and deductibles depends on your business size, operations, and risk profile.
Our experienced insurance professionals can help you tailor a policy that ensures the best protection at a cost that fits your budget.
Exceptions and Restrictions
While General Liability insurance offers broad coverage, certain exclusions may apply. Always review your policy carefully to understand any limitations or restrictions, and consult with our experts for clarification.
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