Primary liability insurance isn’t designed to cover you or your truck. It doesn’t cover theft, your bodily injury, or damage to your truck. It’s simply there to cover the damage you might do to other people or property.
Primary Liability is often confused with General Liability Insurance. There is a big difference. General Liability covers you for accidents that happen off the road. An example something general liability would cover be someone who slips and falls at your headquarters Primary liability insurance won’t cover you for that. It covers you while you are on the road.