One follows the truck. The other follows everything else you do. Commercial auto answers for injury and damage arising from the ownership, maintenance, or use of the vehicle. General liability answers for the rest of the operation: someone hurt at your yard, damage you cause on a customer’s premises, or a claim arising after the work is finished. The seam between them is loading and unloading, which different forms allocate differently. A trucking operation generally needs both.
Related FAQs
Cargo terms vary by commodity and limit. Some goods may be excluded or limited, so we review the details with you.
Non-trucking liability generally applies when you drive the truck without a load and not under dispatch.
It is a federal endorsement tied to financial responsibility for many for-hire carriers. Whether it applies depends on your operation.
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