Fall brings thoughts of football with references to blitzes, post patterns and filling the gaps. Who's filling your gaps? In every risk management plan there are gaps that need to be accounted for. Two of the most common gaps that arise in the trucking industry are coverage for loading and unloading and misdelivery of liquid product. Each of these exposures could fall into the auto policy or the commercial general liability policy ("CGL"). Hopefully, at least one of your coverages picks these up. The gaps can be particularly problematic if you have different underwriters for the CGL and the auto policies.

Often, whether an exposure is an auto or CGL exposure will depend on whether the damage resulting is immediate or occurs over time.

At any rate, every trucking company should review their risk management plan with their insurance broker and make sure that the gap is being filled by either the auto carrier or the CGL carrier.