Six coverage components in one commercial general liability policy — each one designed to protect a specific gap in your commercial auto coverage and satisfy your broker contract requirements.
A standard commercial general liability (CGL) policy includes all six components below in one combined policy. Here's what each one covers and why brokers require it.
Covers bodily injury and property damage arising from your business premises — office, dispatch center, truck yard, or warehouse. Responds when a visitor, vendor, or client is injured on property you own, lease, or control.
Covers claims arising during your business operations that are NOT caused by your vehicle. Loading and unloading, freight handling, and any on-site activities at shipper or receiver facilities fall under operations liability.
Responds to claims discovered AFTER a delivery is complete and your truck has departed. For freight brokers, this is critical — your liability to shippers doesn't end when the carrier drops the load.
Covers indemnification and hold-harmless clauses you assume in written agreements. The reason brokers require GL: they transfer risk to you in the broker-carrier agreement. Contractual liability is what responds to that transfer.
Covers claims arising from your advertising, marketing, and business communications — including defamation, libel, slander, copyright infringement, and invasion of privacy.
Pays medical expenses for third parties injured in connection with your business — regardless of fault. Helps resolve minor injuries without litigation, and is separate from the liability limits.
Most broker-carrier agreements require $1M/$2M. Here's the full limit schedule for a standard trucking GL policy, and what each limit applies to.
| Coverage Component | Standard Limit | Notes |
|---|---|---|
| Each Occurrence | $1,000,000 | Maximum per single incident |
| General Aggregate | $2,000,000 | Total annual maximum for most claims |
| Products / Completed Operations | $2,000,000 | Separate aggregate for post-delivery claims |
| Personal & Advertising Injury | $1,000,000 | Per person or organization |
| Medical Payments | $5,000–$10,000 | Per person, no-fault |
| Damage to Rented Premises | $100,000 | Fire damage to rented space |
Higher limits ($2M/$4M) available for large fleets and major shipper requirements. Contact us to confirm limits for your specific broker-carrier contract.
Send us your broker-carrier agreement and we'll confirm your limits, set up additional insureds, and bind coverage — same day.
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