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Why Do Truckers Need Cargo and General Liability Insurance?

Truck drivers are aware of how important it is to drive safely. It involves wearing seatbelts, driving defensively, and keeping a close eye on other cars. But what about safeguarding your source of income? Truck drivers need to ensure they have appropriate cargo and general liability Insurance for new CDL drivers in the event of an accident.

Cargo and General Liability Insurance are two kinds of coverage that every truck driver has to carry. If you are ever held accountable for inflicting harm or damaging someone else’s property, this kind of coverage can help shield your finances.

What is truckers general liability insurance? 

Commercial liability insurance can be helpful for a truck driver through this scheme when they are rushed for compensation following a personal injury or damage to property that someone else owns. This is an important cover in that it may help cover all the expenses, such as hospital bills, property damage repairs, and legal expenses, in case they lead you to a lawsuit.

A human error might happen, like the situation when you ship the cargo to the wrong destination. Your coverage may include the cost incurred by an injured person as a result of an accident you might cause if you unload your truck and you happen to drop a heavy piece on it.

What is the General Liability Insurance for Truckers Covers? 

The Truckers General Liability Insurance mostly covers injuries to other people or property damage. When you cause damage to someone’s body or property, insurance comes in handy to cover the expenses of the affected person’s health. It takes into account the legal fees related to the accident, which can be beyond the regular income range.

Commercial truck insurance gives cover to your trailer against physical damage that includes accidents, fire, theft, vandalism, and many more. Additionally, there is loading and unloading, plus transit coverage options available to you, that allow you to monitor your load and prevent damages.

The Importance of New CDL Drivers

When it comes to the trucking industry, especially if it is about the people who are running the business, it is not possible to minimize the importance of comprehensive Insurance for new CDL Drivers. Short Term General Liability Insurance

  • Legal Requirements

Most compulsory states require a certain degree of coverage for commercial vehicles, including trucks. When you have obtained your CDL, observing and being in line with these legal requirements becomes fundamental to avoiding the fines, penalties, and other repercussions of having your license suspended.

  • Protecting your investment

Getting a CDL usually requires a lot of investment. It is measured by the number of times, money, and strength since it is a difficult task. Cargo and General Liability Insurance give you that security by covering already-noted unpredictable events that hold you back from advancing and attaining your dreams.

  • Building trust with clients

Developing trust is pivotal for new drivers, which will ensure contract wins and client development. Whether it is through your insurance or in the form of a bond, your coverage shows that you are credible as a logistics company; hence, you build trust, especially with the two essential links in the supply chain.

  • Mitigating Risks

Trucking involves natural factors of danger, beginning with vehicle failures, road accidents, cargo damage, or theft. Cargo and General Liability Insurance serve as the safety nets that protect you financially from the various risks arising from these things, so you can confidently carry out your activity with peace of mind knowing that you are safe and that you can do your work without any worry.

  • Enhancing business viability

The right truck insurance plan for the proper alteration of the trucking business from stagnant to a high-flying mode is critical for the survival of a truck business. Through the protection of yourself and your assets, you maintain the consistency and sustainability that your business thrives on.

Where do truckers get general liability insurance? 

At SWI, we have been specializing in transportation insurance for many years. Our staff consists of some former truck drivers, so we already know what the truckers require for their industry.

If you are a trucker looking to secure Truckers General Liability Insurance, feel free to reach out to our office at once. We will assist you in selecting an optimal coverage level that fits your business.


In the changeable environment of trucking, where every journey presents its own challenges and advantages, you must make sure that you have adequate coverage at all times. Cargo and General Liability Insurance provide a barrage of shields to newly accredited CDL holders who are faced with a myriad of risks on the highway.

Through your investment in adequate insurance coverage, you not only satisfy legal requirements but also build a firm wall against lawsuits, which is your guarantee of a safe and stable career in the trucking business. However, keep in mind that trucking is a business of peace of mind that is imperishable, and insurance is the fountain from which it springs.

We are here to help

Since the very beginning, Southwestern Insurance has been doing what it does best: provide customers with the best insurance options at the best possible price. We are motivated, like most of our customers by the belief that we can always do better. And like our customers, we’re not only confident that there is a better future ahead, we’re trying to create it. One policy and one customer at the time. We treat customers like we treat family. They deserve it. And, because we have been in business long enough and know the business as well as anybody, they can rest assured that we can provide the best options at the best possible prices. Come and visit any of our locations or call us. We are here to help.

Southwestern Insurance Services Inc.

• Hialeah Office
4375 Palm Avenue
Hialeah, FL 33012
Phone: 305-556-7399

• Miami Office
8899 NW 18 Terrace, Suite 201
Doral, FL 33172
Phone: (305) 556-7399

• San Antonio Office
18911 Hardy Oak Blvd Ste 108
San Antonio, TX, 78258

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