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General Liability Insurance for Transportation & Logistics

Last updated on July 10th, 2020

The General Liability insurance policy is a form of commercial insurance that provides the protection all General Liability insurance also provides coverage for liability arising from personal injury and advertising injury.

The policy covers accidents occurring on the premises or away from the premises. In addition to the limits of liability, the policy will defend you against claims, even if groundless, false, or fraudulent, as well as provide supplemental payments for attorney fees, court costs and other expenses associated with a claim or the defense of a liability suit.

In addition to bodily injury and property damage your GL policy also provides coverage for:

Personal and Advertising Injury Liability –  Responds to allegations of Personal Injury arising out of the advertising of your products and services. Covered offenses might include libel, slander, invasion of privacy, copyright infringement and misappropriation of advertising ideas.

Medical Payments – Responds to medical claims for bodily injury which occur in the normal course of business, where the insurance company may choose to pay medical payments to avoid a lawsuit. This coverage does not extend to employee injury claims as this risk is covered under Worker’s Compensation.

Products and Completed Operations –Responds to lawsuits for bodily injury or property damage that is derived from your products and operations. For logistic service providers this coverage may respond to losses occurring due to injuries incurred while performing packing, crating, assembly, and pick and pack services.

Damage to Rented Premises –  Responds to property damage to leased premises for which your company is held negligent and is legally liable to pay. Review your lease to determine your legal liability for your premises and to ensure you have both the coverages and insurance limits you need.

Even with this breadth of coverage, a General Liability policy goes only so far, and in an increasingly litigious environment where multi-million judgments are commonplace, it’s wise to protect a business’ financial assets with Excess Liability insurance, also known as Commercial Umbrella coverage. This policy is designed to kick in once the underlying limits of a General Liability policy and other primary policies have been exhausted.

Further, a General Liability policy doesn’t include coverage for exposures due to errors and omissions in providing professional services, employment practices liability (EPL), directors and officers (D&O), cyber liability or fiduciary liability. For each of these exposures and others, you will need to purchase specific insurance products.  At Roanoke, we have a portfolio of advanced specialty insurance products that can be added as endorsements to your General Liability policy or secured as separate policies to protect you against the varied management liability exposures you face.

All Your Business Insurance Needs Are Covered with Roanoke

Roanoke knows the transportation and logistics industry. That’s what we do. We have the expertise, experience and products to protect your operation, employees and financial assets along with the goods in your care and custody for the clients you serve. Find out how we can provide you with the insurance programs you need to be properly protected. Please contact us at 1-800-ROANOKE or complete the Contact form located above.