Truckers

What Does GL Code 99793 Cover?

ISO GL class code 99793 specifically covers businesses engaged in the transportation of goods or materials for others, primarily using trucks. This class encompasses a wide range of trucking operations, from local delivery services to long-haul freight carriers, classifying the general liability exposures associated with their operations. It focuses on the risks arising from premises, operations, and completed operations, excluding direct auto liability which is covered under separate auto policies.

Who Uses This Class Code?

This code applies to various trucking companies, independent owner-operators, freight haulers, logistics companies providing transportation services, and businesses specializing in the delivery of goods for third parties. Examples include common carriers, contract carriers, and specialized transporters of various commodities.

Common GL Claims for This Class

Common GL claims for truckers include property damage at loading docks or customer premises, bodily injury to third parties during delivery or pickup operations, and claims arising from spills or leaks of non-hazardous cargo at a job site.

Coverage Tips for Code 99793

• Ensure your General Liability policy includes coverage for loading and unloading operations, as many incidents occur during these activities.
• Verify that your policy provides adequate coverage for non-owned trailers if you frequently use equipment not titled in your name.
• Be aware of potential gaps between your General Liability and Auto Liability policies, especially regarding incidents that occur away from the vehicle.
• For Florida-based truckers, confirm compliance with all state and federal Department of Transportation (DOT) regulations, as non-compliance can impact coverage.