If the parking brake fails on a company truck and damages a customer's building, which insurance policy provides coverage?

The correct answer is motor vehicle insurance. This type of insurance specifically covers incidents and damages that arise from the operation of vehicles, including company trucks. In the scenario where a parking brake failure results in damage to a customer's building, the liability for that damage typically falls under the motor vehicle insurance policy. This policy is designed to cover accidents and related incidents involving vehicles, which includes property damage caused by the vehicle when it is moving or not properly secured.

Understanding the scope of motor vehicle insurance is crucial; it not only provides coverage for damages to third-party property but also includes legal expenses associated with such incidents. Since the damage occurred as a direct result of the vehicle's operation (or lack thereof in this case, due to a failed parking brake), the insurance would apply.

In contrast, property insurance would cover damage to the company’s own property, general liability insurance typically covers non-vehicle related liabilities, and workers' compensation insurance covers employee injuries on the job, none of which would appropriately address the scenario described regarding damage caused to a customer’s building by a company vehicle.