If you’re an owner-operator, knowing the difference between primary liability and general liability insurance is essential. They might sound similar, but they cover very different situations. Let’s break it down.
- General Liability Insurance
General liability insurance is your safety net for accidents that happen off the road. Imagine someone slips and falls at your office or headquarters—this is where general liability kicks in. It covers incidents that aren’t related to your trucking activities. - Primary Liability Insurance
Primary liability insurance, on the other hand, is all about road safety. This is the fundamental insurance every commercial vehicle needs. It covers the damages you might cause to others while driving, such as public property damage or injuries to other drivers.
However, as a truck insurance specialist in California, we’ll tell you primary liability doesn’t cover your vehicle or cargo. Fire, theft, vandalism, or any other disasters affecting your truck, trailer, or goods are not included. So, while you’re protecting others, you need additional policies to protect yourself and your assets.
This is the minimum required to operate legally, but additional coverage is highly recommended to ensure comprehensive protection.
Need insurance for your trucks or trailers? We offer a comprehensive range of truck insurance in Downey, California, to protect your business. If you’re a single owner/operator or a fleet owner, we have packages tailored to meet your specific needs. Contact Rapid Document Insurance Agency now to safeguard your company and assets.
Stay safe on and off the road with the right motor truck cargo insurance in California!