Coverage
General liability covers what happens off the road: premises, operations, carry-ins, and the incidents that auto policies were never built to touch.
Most delivery and logistics contracts require it alongside auto — commonly one million per occurrence and two million aggregate. Some add an umbrella requirement above that. The signed contract governs, so I quote to its exact language.
For final-mile teams doing in-home delivery, this is the policy that responds when a refrigerator meets a hardwood floor. It is inexpensive relative to the exposure it closes.
Questions
Because not everything happens on the road. A dropped appliance that cracks a floor, an injury at your warehouse, damage during a carry-in — auto policies do not respond to those. General liability covers premises and operations exposure, and most contracts require it.
One million dollars per occurrence with a two million dollar aggregate is the common request in delivery and logistics contracts. Some add an umbrella requirement above that. As always, the signed contract governs, so I quote to its language.
No. General liability is a primary policy with its own limits. An umbrella sits above your primary policies — general liability and auto — and adds limit when a large claim exhausts them. Contracts sometimes require both.
The intake takes about five minutes. I quote against your actual vehicle and driver list, not a generic profile.
TISKIY