Connie Phillips Insurance Blog

Truckers need General Liability coverage because their exposure is not limited to the road.
A Maryland Commercial General Liability policy protects against liability claims for bodily injury and property damage arising out of premises, operations, products and completed operations, as well as, advertising and personal injury liability.

Here are a few reasons for truckers to buy General Liability insurance in Maryland:

• Actions of a driver while on the premises of others (loading docks, truck stops, motels, etc.)
• Doing outside repairs or performing repairs for an owner/operator
• Customers coming onto your premises (trip and fall)
• Erroneous delivery of products, including liquids
• Libel and slander - includes writing or communicating something deemed injurious
• Helping a disabled trucker in repairing brakes gratis, they fail later
• Attractive nuisance on insureds property
• Fire Legal Liability
• Contractual liability - lease agreements, intermodal, etc
• Guard dog used for protection
• States with a monopolistic workers comp fund (such as Ohio) Stop Gap Liability Coverage

Article written by Doug Donaugh - compliments of Interstate Insurance Managements Inc. Johnstown, PA