This is usually the most costly portion of any trucking company’s insurance package and protects you from damage or injuries to other people as a result of a truck accident. This coverage is mandated by the State and Federal agencies; you are required to provide them with a form of proof.

As the name implies, this coverage is very general and broad. Some of the more customary types of risk this coverage is intended for include: protection for injuries or property damage sustained while on your premises, using your products or services, or because of a breach of contract.

The transporter of freight and commodities assumes responsibility for the cargo they have in their control. The amount of that responsibility should be clearly established and understood by both the shipper and the transporter before the shipment is moved. This is usually done by contract, by bill of lading disclosure, or by published tariffs. Unfortunately, this level of detail is often overlooked by both parties.