What is the primary purpose of a trucker's coverage form?

The primary purpose of a trucker's coverage form is to provide liability coverage while hauling goods. This type of insurance is specifically designed for commercial truckers and transport carriers, addressing the unique risks associated with the transportation of goods. It offers protection against third-party liabilities that may arise from accidents, injuries, or damages that occur during the operation of a truck while it is in the process of transporting goods for hire.

In the context of the trucking industry, liability coverage is crucial as it protects the trucking company from claims made by others for bodily injury or property damage that occur when the truck is being operated for commercial purposes. This includes instances where the truck is engaged in loading or unloading cargo or is in transit.

The other options, while potentially relevant to commercial transportation in general, do not capture the specific intent of the trucker's coverage form. Personal liabilities pertain to individual scenarios outside the commercial trucking context, property damage on public roads is too broad and not exclusively tied to the liabilities associated with trucking operations, and insuring cargo during transportation is typically covered under a different type of policy, such as a cargo insurance policy, rather than the trucker's coverage form.