General Liability Insurance
General liability protects your business against third-party claims of bodily injury or property damage that happen at job sites, customer locations, or your own premises — separate from auto exposure.
General Liability for Work-Truck Businesses
Your trucks get you to the work, but the work itself creates its own liability. General liability (GL) responds when your operations cause third-party bodily injury or property damage away from the vehicle — a customer tripping over your equipment, accidental damage to a client's property, or a claim arising from completed work.
What GL Covers
- Bodily injury: Third-party injuries at a job site or your premises
- Property damage: Damage your crew causes to a client's building or property
- Products & completed operations: Claims arising after a job is finished
- Personal & advertising injury: Libel, slander, and certain advertising claims
- Defense costs: Legal defense even when a claim is groundless
Why Auto Isn't Enough
Commercial auto covers accidents involving your vehicles. GL covers everything else your business does — the work performed, the premises, and the operations. Most clients, GCs, and commercial contracts require proof of GL before you can start a job, commonly $1M per occurrence / $2M aggregate, naming them as additional insured.
Certificates and Contracts
We issue certificates of insurance and additional insured endorsements quickly so you never lose a job over paperwork — and we coordinate your GL with your commercial auto so there are no gaps between "on the road" and "on the job."
What's Covered
Frequently Asked Questions
Only for accidents involving your vehicles. General liability covers injury and property damage from your operations and completed work — a separate exposure that clients and contracts require you to insure.
$1M per occurrence / $2M aggregate is the common baseline required by clients and general contractors. We tailor limits to your contracts and add an umbrella when needed.