Truckers General Liability Insurance

Truckers General Liability Insurance Program from TCB Insurance Programs

TCB Insurance Programs, LLC offers a specialized Truckers General Liability (GL) program designed for independent agents and brokers placing coverage for motor carriers and owner-operators. This program fills gaps left by auto liability and motor truck cargo policies by addressing liability exposures that arise from trucking operations off the vehicle — for example, loading/unloading, premises exposures, and incidental operations.

Ideal Accounts and Target Risks

This program works well for a range of trucking operations, from single-owner operators to small and mid-sized fleets. Typical fits include:

• For-hire truckers operating regionally or nationwide
• Owner-operators who must satisfy contractual GL requirements
• Motor carriers seeking protection for loading/unloading, premises liability, and incidental business operations

It is suitable for clients hauling general freight, dry goods, or operating in niche segments where auto liability alone does not address third-party exposures away from the vehicle.

Coverage Highlights and Limits

Truckers General Liability covers third-party bodily injury, property damage, and personal/advertising injury that occur outside the scope of auto operation. Standard limits and features offered through this program include:

• General Aggregate Limits: $1,000,000 / $2,000,000 / $3,000,000
• Each Occurrence: $1,000,000
• Personal & Advertising Injury: $1,000,000
• Fire Damage: $50,000
• Medical Expense Limit (each person): $5,000
• Medical Expense Limit (aggregate): $25,000

Underwriting Notes and Premiums

The program offers flexible rating to accommodate small fleets and growing accounts. A sample structure is:

• $1M/$1M Limits: $500 minimum premium (covers up to 3 units)
• Each additional unit (4–10): $80 per unit
• Each unit beyond 10: $60 per unit

$1M/$2M Limits: $600 minimum premium with incremental unit increases. TREA is calculated at 5% of the base premium. Rates shown do not include taxes or fees and remain subject to underwriting review. Contact TCB Insurance Programs for pricing on $3M aggregate limits and for tailored quotes on larger or more complex accounts.

Program Availability

This Truckers GL program is placed on a non-admitted basis through various carriers and is available in most U.S. states, including:

AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY

Why Place Truckers GL with TCB Insurance Programs

As a wholesale broker, TCB Insurance Programs combines deep trucking market knowledge with access to multiple non-admitted carriers. Agents benefit from:

• Experience placing hard-to-write trucking risks and owner-operators
• Flexible rating and unit-based pricing for small fleets
• Responsive underwriting that understands trucking-specific exposures (loading/unloading, premises, third-party operations)
• Ability to provide contractual liability solutions when standard markets decline

Example scenarios where this program is a strong fit: you have a regional for-hire fleet that needs GL limits to meet shippers’ contracts, or an owner-operator who requires GL to complement their auto and cargo policies. For both, TCB can help place coverage and provide competitive terms where available.

For more information about our Truckers General Liability Insurance program, visit our website at www.tcbinspro.com.

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.