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.
Related coverage
The full program in one placement.
Contract-correct coverage for delivery service partners.
ISP program coverage, built to spec.
Commercial coverage for cargo and sprinter vans.
Straight-truck coverage across California.
For same-day, medical, and parcel couriers.
The intake takes about five minutes. I quote against your actual vehicle and driver list, not a generic profile.
TISKIY