products + services

general liability insurance


General Liability insurance protects your company from the financial impacts of property damage and injuries to third parties that happen in the course of your regular business activities. It covers liability from damages that aren’t directly related to operating your truck.

Great West’s Commercial General Liability insurance provides broad coverage for the types of activities you perform daily in your trucking business. Examples of business activities include meetings with customers, delivering products, and marketing your trucking business. It also provides your company with protection against the actions of your drivers while they represent your company. 


Bodily Injury and Property Damage Liability

This part of your General Liability insurance focuses on physical injury of others while on your property or through the course of business.

  • Includes customer injury while on your premises
  • Includes injury of a vendor, manufacturer, or authority while on your property
  • Includes damage to customer or third-party’s property while they are on your grounds
  • Includes dog bites from watchdogs or a trucker’s dog
  • Includes defense for negligent hiring practices
  • Includes your truck driver’s actions while representing your company, including at truck stops, weight stations, rest areas, restaurants, and while interacting with clients

Medical Payments

This portion of General Liability covers medical costs for physical injuries sustained by people on your business premises, including those associated with the Bodily Injury coverage above.

Personal Injury and Advertising Injury Liability

This component of your Commercial General Liability coverage focuses on injuries that aren’t physical in nature but result from negligence on your part.

  • Includes unintentional false claims about a competitor
  • Includes libel, slander, and defamation claims
  • Includes using another company’s logo or slogan without permission or copyright infringement

Products / Completed Operations

This part of your Commercial General Liability policy focuses on bodily injury or property damage that happens as a result of delivering, or not delivering, someone else's goods. This coverage extends to items not covered by Auto Liability insurance.

  • Includes claims of delivery errors that result in damage
  • Includes delivery of damaged products
  • Includes claims against your driver when they are on the premises of another company’s loading docks, for example, while they’re using loading and unloading devices that aren’t attached to a truck or trailer, such as a forklift, front-end loader, or crane.

Damage to Premises you rented

This portion of Commercial General Liability coverage focuses on damage, including fire, to the property you rent for up to seven days. Many landlords will require this coverage as part of your lease agreement.





A Commercial General Liability policy is one of the core components of Commercial Trucking insurance. It is the coverage that protects your business activities that take place when you aren’t on the road. It provides your trucking company broad protection against lawsuits or claims that result from your business functions.

It is also one of the types of insurance that states require trucking companies to carry. In addition, you’ll find many of your clients as well as your landlords will require you to provide proof of General Liability coverage. 

smiling driver sitting on semi truck - general liability insurance


At Great West, we are 100% focused on insuring truck drivers and trucking companies. Through our more than 65 years of trucking experience, we’ve seen just about every type of accident the industry can throw at you. We understand the real dangers your trucking business faces — and we know how to create policies that are customized to meet the everyday risks you face running your trucking operation.

And because accidents can happen any time of the day or night, our professional in-house claims service specialists are standing by 24 hours a day, 365 days a year to help you.

At Great West, we provide fast, consistent claims services, and you have peace of mind knowing your claim will be handled by our experienced in-house adjusters.

learn more


Great West also offers two popular options to add to your policy.


Garagekeepers insurance provides physical damage coverage for trucks, tractors, or trailers that you do not own but that are in your possession for towing, servicing, repair, parking, or storage as part of your garage operations.

learn more

Employee Benefits Liability

Employee Benefits Liability coverage is designed for employers that administer benefits programs and handle employees’ funds.

Your questions about trucking

Frequently asked questions

Are there limitations or exclusions within General Liability coverage for commercial trucking insurance?

Yes, General Liability coverage for commercial trucking insurance typically includes certain limitations and exclusions. These can vary by policy but often exclude liabilities such as intentional damage, contractual liabilities, and liabilities related to non-owned vehicles.

Coverage for certain types of injuries or damages, such as employee injuries (covered by Workers' Compensation) or damage to owned property, may also be excluded. Each policy has specific terms and conditions, so it's important to review the policy details or consult with the insurance provider for a comprehensive understanding of the coverage limitations and exclusions.

How is the coverage amount determined for General Liability insurance in trucking policies?
The coverage amount for General Liability insurance in trucking policies is typically based on various factors, including the nature of the trucking operations, the types of goods being transported, the geographic areas covered, the company's claims history, and the perceived risk associated with the business.
Can General Liability insurance be customized to cater to the specific needs or risks of a trucking business?
Yes, General Liability insurance for trucking businesses can often be customized to cater to the specific needs or risks of the company. This customization allows for adjustments in coverage limits, inclusion of specific endorsements or riders, and modifications based on the types of goods transported, operational scope, and risk profile of the business.
Are there specific industries or types of trucking operations that benefit more from General Liability coverage?
Certain industries or types of trucking operations particularly benefit from General Liability coverage. These include businesses involved in specialized transport, such as hazardous materials, oversized or heavy loads, and high-value goods.
How do deductible and coverage limits work in General Liability insurance for commercial trucks?
Deductibles in General Liability insurance represent the amount a company pays out of pocket per claim before insurance coverage begins. Coverage limits are the maximum amount an insurer will pay for covered claims. These elements are chosen based on the company's risk exposure and financial capacity, allowing for tailored risk management.

This summary is intended for informational purposes only and does not replace or modify the definitions or information contained in any insurance policy or declaration page, which controls all coverage determinations. Terms and conditions may vary by state, and exclusions may apply.