Transportation liability insurance is a crucial coverage for businesses involved in the transportation industry. It helps protect against the risks and liabilities associated with transporting goods or passengers. Here are some common insurance coverages associated with transportation liability:

1. Auto Liability Insurance: Auto liability insurance is a primary coverage for businesses that operate vehicles as part of their transportation operations. It provides protection in the event of bodily injury or property damage caused by a covered accident involving the insured vehicle. This coverage helps cover legal defense costs, settlements, or judgments resulting from liability claims arising from vehicle accidents.
2. Cargo Insurance: Cargo insurance provides coverage for the goods being transported against loss or damage during transit. It protects the transporter and the shipper from financial loss due to theft, accidents, natural disasters, or other covered perils. Cargo insurance can be tailored to different types of cargo, such as general merchandise, perishable goods, hazardous materials, or specialized cargo.
3. General Liability Insurance: General liability insurance is a foundational coverage that provides protection for third-party bodily injury, property damage, or personal injury claims that may occur outside of vehicle operations. This coverage can apply to incidents at the company’s premises, customer locations, or other locations where the business operates.
4. Umbrella/Excess Liability Insurance: Umbrella or excess liability insurance provides additional liability coverage above the limits of the underlying auto liability and general liability policies. It offers an extra layer of protection against catastrophic events or large liability claims that exceed the primary policy limits.
5. Workers’ Compensation Insurance: Workers’ compensation insurance is typically required by law and provides coverage for medical expenses, rehabilitation costs, and lost wages for employees who suffer work-related injuries or illnesses. It is essential for transportation businesses that employ drivers or other personnel involved in the transportation operations.
6. Environmental Liability Insurance: Environmental liability insurance is relevant for transportation companies involved in the transportation of hazardous materials or substances. It provides coverage for pollution-related incidents, such as spills or contamination, that may occur during transportation.

Non-Owned Auto Liability Insurance: Non-owned auto liability insurance covers liability risks associated with employees using personal vehicles for business purposes. It protects the business from claims arising from accidents caused by employees while driving their personal vehicles for work-related activities.