A client delivers product to your location for shipment. He trips and falls off your loading ramp, breaking an arm and both legs. Your client sues for medical bills (over $250,000 and lost wages (possibly infinite), alleging the hazard was inadequately marked. If you don’t carry General Liability Insurance, you would probably not have coverage for this.
One of your drivers is hauling a load of perishable goods for a regional grocery chain. When the cargo reaches it’s destination, it is discovered that the goods were not kept at a proper temperature by your reefer truck, spoiling $100,000 worth of commodities. You are now on the hook to replace these goods.
A woman, in her early 30’s was rear-ended on interstate 95 by a semi-truck. No citations were issued at the time. The woman sustained a partially torn rotator cuff and was awarded $1,000,000 by a jury who found the driver to be at fault despite law enforcement’s assessment at the scene.