Truckers General Liability Insurance for the Whole Operation
Auto liability covers the truck on the road. We cover everything around it — your terminal, your loading docks, off-duty owner-operators, pollution at the fuel island, and your workforce. Built for motor carriers and owner-operators.
$1M
TGL limits available
50
states licensed
What We Cover
The Full Liability Stack — Clearly Separated
Most trucking sites blur liability and auto together. We draw the line: general liability (off the road) on one side, and the auto & cargo coverages (on the road) on the other.
General Liability — The Off-Road Side
The Other Side — Auto & Cargo (On the Road)
These cover the truck and the freight. We place them too — and explain exactly how they differ from truckers GL.
Who We Cover
Built for the Operation You Run
From a single leased-on owner-operator to a multi-terminal motor carrier.
Motor Carriers
Trucking companies operating under their own authority, running for-hire freight.
Owner-Operators
Leased-on and independent owner-operators needing NTL, bobtail, and TGL.
Freight Brokers & 3PLs
Brokerage and logistics operations with completed-operations and premises exposure.
Terminals & Cross-Docks
Facilities that store, sort, and transfer freight — warehouse legal liability exposure.
Maintenance Shops
Carrier-owned shops with mechanics, lifts, and fuel/chemical exposure.
Intermodal & Drayage
Drayage and intermodal carriers moving containers between rail, port, and yard.
How It Works
From Quote to Bound in One Business Day
We know trucking authority and operations — so the process moves fast and the coverage fits.
Tell Us About Your Operation
Your authority, your units, your terminals, what you haul, and where you run. A short call or form gives us the picture we need.
We Shop A-Rated Carriers
We compare trucking-liability programs from multiple A-rated carriers — and draw the line between GL, auto, and cargo so nothing overlaps or gaps.
Get Bound & Get Your COIs
Bind coverage and pull certificates of insurance for shippers, brokers, and lease requirements — usually within one business day.
States licensed
Years in trucking insurance
TGL limits available
Typical quote turnaround
20+ years in trucking & trades insurance
We know authority, filings, and the terminal.
Why Contractors Choice Agency
Trucking Liability, Done Right
Trucking insurance is crowded and confusing — most sites lump every coverage together. We specialize in the liability side, draw the lines clearly, and place programs that actually respond.
We separate GL from auto
We draw a clear line between truckers general liability and the auto/cargo side — so coverage doesn't overlap, gap, or get denied.
Interstate authority fluency
We understand DOT authority, MCS-90 filings, and interstate workers' comp — and place the right forms for how you actually run.
Terminal & pollution specialists
Most agents skip terminal, warehouse legal, and pollution coverage. We structure all three for motor carriers with facilities.
Claims advocacy
When a dock claim or a spill happens, we work the claim with the carrier — not just hand you a phone number.
Client Results
Motor Carriers Who Got the Right Liability
“We'd been carrying 'trucking insurance' for years and never realized our GL didn't actually cover the terminal. After a dock injury claim got messy, these guys rebuilt the whole program — real truckers GL, a pollution policy for the fuel island, and warehouse legal for the cross-dock. Now I know exactly what's covered and what isn't.”
Dale Mercer
Owner, Mercer Transport LLC — 12 units, Indiana
“The NTL vs. bobtail confusion had our owner-operators carrying the wrong form. They audited every lease, matched each driver to the right coverage, and handled the broker COIs. The clarity alone was worth the switch — and the premium came in lower.”
Rosa Avila
Safety & Compliance, Avila Freight — Texas
“As a leased-on owner-operator I needed NTL and physical damage fast to keep rolling. They had me bound the same week, with the form my lease actually requires. No confusion, no upsell. Just the right coverage at a fair price.”
Mike Calloway
Owner-Operator — leased to a national carrier, Georgia
Truckers Liability FAQ
Common Questions from Motor Carriers
Real answers on truckers general liability, non-trucking liability, pollution, and where GL stops and auto begins.
No. Primary auto liability covers the truck while operating on the road and is federally required (with an MCS-90 filing for interstate for-hire carriers). Truckers General Liability covers the non-auto exposures — your terminal, loading docks, shipper/receiver premises, completed operations, and products. They are separate policies that motor carriers carry together. Lumping them into one is how gaps and denied claims happen.
TGL covers bodily injury and property damage that happen off the road: a visitor injured at your terminal, damage at a customer's loading dock, liability while your crew operates on a shipper's premises, completed-operations claims, and products liability. For motor carriers with facilities, it pairs with truckers pollution and warehouse legal liability to cover the terminal itself.
A small motor carrier or owner-operator commonly pays $1,000–$3,500 per year for a $1M TGL policy, rated on gross receipts or unit count plus claims history. Fleets and terminal operators scale higher with revenue and premises exposure. The $1M per-occurrence limit is the common floor, with umbrellas above for fleets. We shop A-rated carriers to keep it competitive.
Bobtail covers the tractor when driven without a trailer attached, regardless of dispatch status. Non-Trucking Liability covers the owner-operator when not under dispatch, regardless of trailer. They overlap but aren't identical, and motor-carrier leases usually require one specifically. Carrying the wrong form can leave a real gap — for example, bobtailing while still on dispatch. We match the form to your lease.
Often yes. Leased-on owner-operators typically carry Non-Trucking Liability or bobtail for off-duty time, and many motor carriers require owner-operators to carry or be covered under a Truckers GL policy for terminal and premises exposure. Your lease agreement and broker contracts usually specify the requirement and limits.
No — standard general liability has an absolute pollution exclusion, so a diesel or chemical spill is uninsured without a separate truckers pollution policy. A single reportable spill can cost six figures in cleanup. If you have a fuel island, fuel storage, or a maintenance shop, you need truckers pollution liability regardless of what freight you haul.
Yes. Shippers, brokers, and lease agreements frequently require certificates of insurance and additional-insured status before they'll tender freight or sign a lease. We turn most COIs around same-day and set up recurring certificate holders so repeat contracts aren't delayed.
Yes. Contractors Choice Agency is licensed in all 50 states and writes trucking liability insurance nationwide, including interstate operations. Request a quote and we'll confirm the specifics for your authority and the states you run.
Ready to Cover Your Authority?
Get a specialized truckers general liability quote in one business day. We shop A-rated carriers and build the GL program that fits your operation — terminal, fleet, or owner-operator.