As a trucker you may have exposure for which you could be liable that is not covered under your auto liability policy. Following are some examples:

• Salespeople on your premises - what they say and do.
• Loading and unloading before it is picked up and after it is unloaded and while mechanically moved by a forklift. Loading and unloading by a hand truck or a tractor/trailer attached boom/winch is covered under the auto form.
• Erroneous delivery of products, including liquids. Delivery of products damaged in shipment that cause damages after delivery.
• Libel and slander exposures. Writing or saying something injurious. Example: remarks made about an employee during a credit reference check. For coverage to apply to the person originating the comments, the information can not knowingly be false or in willful violation of the law.
• Taking in outside repair or performing owner/operator repair. Helping a disabled trucker fix his brakes, gratis, which fail later.
• Selling an extra tire or parts to another trucker - defense costs.
• Bodily Injury resulting from using self-defense to protect persons or property.
• 'Guard dog', any size, used to protect business property. Example: your dog, riding along in your truck, bites someone.
• Furnishing free beer at a Christmas party or after a safety meeting. Employee drives home drunk and hits a school bus.
• Insured rents a motel room while getting truck repaired, goes to sleep smoking (or leaves battery charger on) and burns down room. Fire legal for room - Other general liability for damage to motel.

These are just a few examples. There are more coverages that would fall under a Commercial General Liability policy. If you would like more information about coverage and premiums, please give us a call.