GL property damage covers harm you cause to someone else's property when your truck isn't moving, like backing into a dock or dragging a dolly across concrete. Auto liability won't pay for these incidents, so GL picks up the repair costs and legal claims.
The second coverage discussed with GL coverage was property damage. This covers damage you cause to someone else's property not involving your truck in motion. So an example of this would be you're backing into a dock and clip a warehouse wall or a loading dock door while stationary. Your auto policy may deny it because the truck wasn't in operation, so your general liability can cover repair costs, legal claims, Another would be you drag a trailer dolly and crack concrete at a shipper's facility. Your property damage coverage under the GL policy is going to pick up for this.
