text: Various forms of liability insurance have been designed to protect and insure against many of the liabilities truck owners can face while in business. It is important however, to distinguish between an individual's legal liability and the coverage afforded by a particular liability policy.
  Whether the individual is covered against such liability depends on the provisions, conditions, and exclusions of the liability coverages he has purchased. For this reason, an insurance agent, who wishes to advise a client properly, must be familiar with all of the insured's legal obligations to others, and with the coverages and endorsements which are available to protect against these hazards.
  An analysis of an insured's "exposure" to claims often reveals the need for protection under several liability policies with additional endorsements. In some cases, it may be found that the insured faces exposures to liabilities that are not covered in any of the standard policies. Depending on the individual circumstances, it may be possible to arrange for coverage by special agreement with the insurance company.