Exploring Liability Risks Beyond the Wheel

Observations from the industry indicate that trucking operations face liability exposures far broader than what commercial auto coverage might suggest. The act of loading and unloading, for instance, involves a set of risks that often require thoughtful oversight and risk management outside the vehicle.

Premises liability at terminals is another aspect worth considering. While many focus on the road, the terminal environment can also present significant exposure. It’s the backdrop where goods are transitioned and where personnel and third parties converge, sometimes leading to unintended incidents.

Customer Facility Exposures

Incidents at customer facilities can sometimes catch operators off guard. These scenarios may include bodily injury or property damage unrelated to driving but arising from activities like delivering and receiving goods. Navigating these exposures requires an understanding beyond the vehicle-centric viewpoint.

Similarly, events unrelated to traffic collisions, like slip-and-fall incidents or accidents involving equipment, highlight the importance of general liability considerations. These occurrences emphasize non-driving related bodily injury or damage within the broader operational landscape of a trucking business.

Ultimately, ensuring a well-rounded approach to liability means appreciating the subtle interplay between everyday operational practices and potential exposures. It’s not merely about covering ground but about grounding in comprehensive awareness.

Andria Baunee is the principal broker at National Heritage Risk – a boutique insurance brokerage that caters exclusively to medium-sized fleets in the United States. For more information, email Andria@NationalHeritageRisk.com or call (716) 402-8686.