Liability Insurance
Affordable, Reliable, and Designed for Truck Owners
As an owner-operator, you already have enough to handle — so why add more stress? With Southern Charm Insurance (SCI), you can secure affordable and dependable Liability Insurance Coverage built specifically for truckers.
Our flexible protection plans, convenient payment options, expert claims support for heavy-duty trucks, free insurance filings, and exclusive discounts have made SCI a trusted name among trucking professionals nationwide.
Liability Insurance at Unmatched Prices from the Most Reliable Insurer!
Find the right liability insurance with our comprehensive policy.
In the trucking industry, accidents can happen anytime — and even a single claim can threaten your financial stability.
Liability insurance protects you from legal and financial responsibilities if your truck causes injury or property damage. It covers third-party medical expenses, vehicle repairs, and other related costs.
Every truck insurance policy must include liability insurance by law.
Our insurance experts will walk you through the process and help you choose the best policy to protect your trucking operations.
What does liability insurance cover?
- Vehicle damage.
- Medical injuries to the driver, passengers, or pedestrians.
- Public property damaged such as mailbox, a street sign, or a guardrail.
- Legal case and attorney fees.
What EXCLUSIONS apply to liability insurance?
Your liability insurance is not applicable under:
- Intentional acts
- Contractual liabilities
- Criminal prosecution
Who needs a liability insurance policy?
Nearly all of the states in the United States need liability insurance. It is mainly required by:
- Commercial automobile insurance coverage.
- Companies that make products.
- People who work in the legal or medical professions.
What types of liability insurance are there?
Truck owners face various risks — and each can lead to costly lawsuits. That’s why a solid liability protection plan is crucial.
Here are the most common forms of liability insurance:
- Vehicle damage.
- Medical injuries to the driver, passengers, or pedestrians.
- Public property damaged such as mailbox, a street sign, or a guardrail.
- Legal case and attorney fees.
- Comprehensive General Liability: Comprehensive General Liability offers protection against lawsuits resulting from property damage caused by employees' negligence, injuries to employees and the public, and other legal actions.
- Worker’s Compensation: This is a required coverage for employers and workers which protects businesses from any legal obligations resulting from employee accidents or fatalities.
- Product Liability: Businesses that produce goods for the general market must carry this insurance which shields them from litigation brought about by injuries or fatalities brought on by their products.
- Indemnity Insurance: It provides coverage to truck owners against negligence claims stemming from monetary loss brought on by errors or failures to perform.
- Umbrella Liability: Coverage begins when the limits of other insurance are reached and protects against catastrophic losses.
- Director and Officer Liability: A company's board of directors or officers are protected from liability in the event that the business is sued. Even though corporations typically offer personal protection to their employees, some businesses offer further coverage to their executive team.
How Much Does Liability Insurance Cost?
Liability insurance premiums are subject to wide variation because our insurer takes several variables into account when calculating premiums. The way our insurer assesses the subsequent factors will influence how much your truck insurance will cost:
- Number of employees: With more employees, you will require extra insurance, which will increase your premium costs.
- Business’s Size: The larger the scale of the business in terms of sales and operating space, the more risk it will be prone to, resulting in higher insurance rates.
- Type of Business: The risk associated with each business varies, for example, construction workers are more prone to face injuries than retail workers, again, higher premium rates.
Why choose SCI as your Liability Insurance Company?
- Vehicle damage.
- A+ BBB Rating & hundreds of 5-star Google reviews
- Over 20 years of industry experience
- Free filings and fast claim support
We understand the risks of operating, loading, and unloading freight on the road. That’s why we’re committed to providing strong, affordable protection to keep your trucking business safe and compliant.
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