Motor Truck General Liability Insurance

Running a trucking business in Ohio comes with more than just the risks of the road—it also involves potential liabilities from everyday business operations. Motor Truck General Liability (GL) Insurance is a flexible and affordable plan designed to protect trucking companies and independent contractors from the costs of third-party injuries and property damage caused by your business activities.

With the right coverage, your insurance provider steps in to handle claims, keeping your finances and reputation protected.

If you own or operate a trucking business in Ohio, General Liability insurance is strongly recommended. It shields you from major financial losses if your employees—or your business as a whole—cause harm to others, whether directly or indirectly.

This coverage can apply in situations such as:

• A customer slips or falls on your property.

• A wrong delivery causes damage.

• A fire damages a property you rent.

• A claim of false advertising or reputational harm.

• Accidents that occur at a client's location or during business operations.

Ohio Motor Truck General Liability Insurance is built to cover a wide range of risks your business may face. Typical coverages include:

• Bodily Injury – Protects against third-party injuries caused by you or your employees.

• Property Damage – Covers damage to someone else's property caused by your business activities.

• Personal Injury – Covers claims of reputational harm, such as slander or libel.

• Advertising Injury – Covers losses resulting from your advertising practices.

• Medical Payments – Pays for medical expenses if a customer is injured on your property.

• Products/Completed Operations – Covers claims of bodily injury or property damage linked to completed work or sold products.

• Damage to Rented Premises – Provides coverage for fire damage to short-term rented properties (7 days or less).

You may qualify for Ohio Trucker's General Liability Insurance if you are engaged in for-hire trucking—hauling goods for commercial purposes.

However, coverage generally cannot be purchased for vehicles such as:

• Garbage trucks

• Cement trucks

• Hearses

• Buses

• Limousines

• Passenger vans

• Ice cream trucks

General Liability Insurance is a critical piece of any trucking company's safety net. But it works best alongside other essential coverages:

• Primary Liability Insurance – Protects you when you're at fault in an accident.

• Motor Truck Cargo Insurance – Protects the freight you haul from theft, damage, or loss.

By combining these coverages, you can ensure that both your business and your customers' property are fully protected.

Navigating insurance requirements can be overwhelming. Our Ohio insurance specialists:

• Help you choose policy limits and deductibles tailored to your business.

• Ensure your coverage complies with both state and federal requirements.

• File claims quickly and provide action plans if accidents occur.

• Work to minimize your risks and safeguard your personal and business assets.

We take pride in protecting Ohio trucking companies from financial setbacks so you can keep moving forward with confidence.

📞 Call us today to get started with an Ohio Motor Truck General Liability Insurance plan that keeps your business safe.