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Learn More (GL)

Learn More (GL)

General Liability Insurance

General Liability-stretch

General Liability insurance (“GL”) covers damage to property other than cargo and injuries to the public when you’re not driving.  It is not auto insurance and won’t help you get a motor carrier permit.  What it does do (at a much lower cost than auto insurance) is protect you against crushing legal bills and judgments from situations like these:

  • Someone trips over you or your hand cart or boxes and takes a nasty fall.
  • Furniture or equipment you assembled breaks and people get hurt.
  • Walls or floors get damaged, or property gets knocked over and breaks.
  • People get sick from food you delivered.
  • Appliances you installed cause a fire or flooding.
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What's the Cost? (typical weekly rates)

A4DD GL Insurance Features

GL insurance is required by many contracts and to enter many buildings.  It’s affordable extra protection that’s especially critical for in-home and food delivery work.  A4DD’s program delivers these special features:

  • Choose how much insurance you want. Legal expenses are covered without limit.
  • Covers claims from loading/unloading. Personal auto insurance won’t cover that.
  • Includes “additional insured”, “waiver of subrogation”, “primary non-contributory”
  • ‘White Glove’ plan covers product installation and assembly as well as delivery.
  • No deductible on Standard Plan. White Glove Plan deductible is $2,500-$5,000.
  • Fully portable. Covers your work for multiple carriers if you are “full-time”.

Here’s a Tip:  General Liability insurance is not auto insurance.  It does not help you meet FMCSA licensing requirements. For that, apply for commercial auto insurance and click “Yes” for filings.

Ways to Save on GL Insurance

  • Get only the amount of insurance you need.
  • Choose the Standard Plan unless you assemble/install product.
  • Get Home Goods Delivery Training to save on the White Glove Plan.
  • Part-time drivers (defined as earning up to $275 per week) pay less BUT you are only covered while working for your primary contracting company.
  • Contract with a company registered with A4DD and use its discount code to save 10% or more.  Ask about it and if your contracting companies are not registered with A4DD, ask them to contact us.
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Introducing Our Insurance Partner

Choosing the right insurance company is important. A4DD has selected Concert Specialty Insurance Company, rated “A-” (Excellent) by A.M. Best. Concert Insurance Group is known for  innovative insurance products and superior claims service.  The A4DD insurance program is administered by One80 Intermediaries, a leading program manager with decades of experience developing specialized delivery-industry insurance solutions.

A4DD does not guarantee vendor offers or their app or website performance. Vendors are solely responsible for all vendor products and services offered through A4DD. Offers may be suspended or terminated at any time and may be subject to product restrictions, exclusions and eligibility requirements.