General Liability and Excess Umbrella Protection
Coverage for yard premises, loading docks, contract disputes and catastrophic verdicts, with excess layers from $1M to $10M and above.
General Liability & Umbrella/Excess insurance for trucking fleets in 50 states
Truckers General Liability (TGL) covers bodily injury and property damage that arise away from the auto — at terminals, customer sites, or your yard. Shippers and brokers increasingly require it.
Prestige Trucking Insurance places general liability & umbrella/excess coverage for motor carriers running three or more trucks and is licensed in 50 states. We compare A rated commercial trucking insurance carriers to find the coverage your operation needs at the lowest qualified rate available to you.
Why Prestige
- Built for owner-operators and fleets alike
- Compared across hundreds of A-rated carriers
- Tailored limits, deductibles, and endorsements
- Independent advice — we work for you
Who needs it
- → Owner-operators running under their own authority
- → Small to mid-size trucking fleets
- → Carriers hauling regulated commodities
FAQs
How fast can I get a quote?
Most quotes are turned around the same day. Complex risks may take 24–48 hours.
Do you compare multiple carriers?
Yes. We are independent and shop hundreds of carriers to find your lowest qualified rate.
Can I bundle this with other coverage?
Absolutely — bundling often unlocks meaningful discounts. Ask your specialist about packaging.
Auto liability stops at the bumper
Everything your fleet does off the road is a general liability exposure: a visitor slipping in your yard, a forklift damaging a dock plate, a driver injuring a warehouse employee during unloading, or property damage at a customer site. Your commercial auto policy does not respond to any of it.
Above both policies sits the umbrella. Nuclear verdicts have pushed trucking settlements far past primary limits, and shippers now routinely require $2M to $5M in excess before they will tender freight. Excess layers are also the least expensive limit a fleet can buy per dollar of protection.
A certificate showing only auto liability closes doors
More shippers now screen carriers on general liability and umbrella limits before the first load. Fleets carrying auto liability alone get filtered out of the better paying contracts without ever hearing why. Adding the right layers is usually a smaller premium than the freight it unlocks.
855-643-3881What the program covers
Premises liability
Slip and fall, visitor injury and property damage at your terminal, yard or office.
Loading and unloading
Injury or damage during loading operations, the single most litigated non driving trucking exposure.
Products and completed operations
Liability arising from work performed, relevant to fleets with shops or repair operations.
Contractual liability
Backs the indemnity language your broker and shipper agreements already require you to sign.
Excess auto liability
Sits above your primary auto limit, where catastrophic accident verdicts actually land.
Excess employers liability
Extends the employers liability portion of workers compensation for severe injury claims.
Umbrella tier visualizer
| Scenario | Excess layer | Who typically needs it |
|---|---|---|
| $1,000,000 excess | Sits over $1M primary auto and GL | Fleets of 3 to 8 units hauling regional general freight |
| $2,000,000 excess | Two layers of protection over primary | Fleets contracting with national shippers and big box retailers |
| $5,000,000 excess | Serious verdict protection | Hazmat, tanker, heavy haul and high mileage long haul operations |
| $10,000,000 and above | Layered across multiple carriers | Fleets with terminal operations, brokerage authority or contractual mandates |
Questions motor carriers ask
Why do motor carriers need General Liability if they already have Auto Liability?
Auto liability only covers incidents occurring during the operation of the vehicle on public roads. General liability covers off road liabilities, such as accidents occurring at your terminal, loading docks or during cargo loading and unloading.
How much excess umbrella coverage does a fleet need?
Most fleets of three or more power units carry $1M to $2M in excess over primary limits, while hazmat, tanker and heavy haul operations commonly carry $5M or more because catastrophic verdicts routinely exceed primary auto liability.
Does an umbrella policy cover cargo claims?
Generally no. Umbrella limits follow the underlying liability policies, and motor truck cargo is usually scheduled separately, so cargo losses are settled under the cargo policy limit rather than the umbrella.
Review Excess Coverage
A specialist will map your current limits against the contracts you are signing and show where an excess layer costs less than the freight it protects.
Fleets of three or more power units across the 50 states we are licensed in.
General Liability & Umbrella/Excess coverage across the 50 states we serve
Filing requirements, limits and endorsements change from state to state. Our specialists review your lanes, loss history, FMCSA safety rating and shipper requirements before recommending general liability & umbrella/excess limits, then walk you through every policy decision in plain language.
We work with regional fleets, long haul carriers, owner-operators running under their own authority and first year new authority trucking companies. When your fleet crosses state lines, we structure the program so it stays compliant in every jurisdiction you run.
As an independent agency we do not answer to one carrier. We answer to you, which means we can move your account when a carrier pushes an unjustified renewal increase.
Who needs general liability & umbrella/excess coverage?
General Liability & Umbrella/Excess coverage is for commercial motor carriers whose contracts, lenders or regulators require it, and for fleets that could not absorb the loss out of pocket. A Prestige specialist reviews your operation and returns options from A rated carriers, usually the same business day. Call 855-643-3881.
Regions we serve
- Southeast: Florida, Georgia, Tennessee, North Carolina, South Carolina, Alabama
- Texas and the Gulf: Texas, Louisiana, Oklahoma, Arkansas, Mississippi
- Midwest: Illinois, Ohio, Indiana, Michigan, Missouri, Wisconsin, Minnesota
- Northeast: Pennsylvania, New Jersey, New York, Maryland, Virginia, Massachusetts
- West: California, Arizona, Nevada, Washington, Oregon, Colorado, Utah
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