Truckers General Liability Insurance

Truckers General Liability Insurance Program from TCB Insurance Programs

TCB Insurance Programs, LLC offers a specialized Truckers General Liability Insurance solution designed specifically for agents and brokers seeking to place coverage for motor carriers and owner-operators. This program provides essential liability protection beyond auto liability, addressing exposures that arise from trucking operations outside the vehicle.

Ideal Accounts and Target Risks

This program is a great fit for trucking operations of various sizes, from small fleets to mid-sized companies. Ideal accounts include:

• For-hire truckers operating regionally or nationally
• Owner-operators with contractual liability requirements
• Motor carriers needing coverage for exposures like loading/unloading, premises liability, and incidental operations

Whether your client hauls general freight, dry goods, or operates in niche transport markets, this GL program helps fill critical policy gaps that are not covered under auto liability or motor truck cargo policies.

Coverage Highlights and Limits

Truckers General Liability protects your insureds against third-party claims related to bodily injury, property damage, and personal injury that occur outside of auto use. Coverage limits include:

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

Underwriting Details and Premiums

Flexible rating options are available to accommodate fleets of varying sizes. Sample rating structure includes:

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

$1M/$2M Limits: $600 minimum premium with incremental increases for additional units. TREA is calculated at 5% of the base premium. Contact TCB Insurance Programs directly for $3M aggregate limit pricing and custom quotes.

Note: Rates do not include taxes or fees and are subject to underwriting guidelines.

Program Availability

This Truckers GL program is written on a non-admitted basis through various carriers and is available in most 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 Partner with TCB Insurance Programs

As a wholesale broker with access to a wide range of markets, TCB Insurance Programs has the expertise and flexibility to place hard-to-insure trucking operations. Our team understands the unique liability exposures that truckers face off the road and delivers tailored solutions that meet both contractual requirements and risk management needs.

You can rely on TCB’s responsive service, competitive pricing, and ability to place coverage where standard markets may decline. From single owner-operators to growing fleet businesses, we help agents keep their trucking clients fully protected.

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

Frequently Asked Questions

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